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What is Klarna

Klarna is a Swedish payment service provider that helps you shop with Sleeper now, and pay for your items later. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

Depending on your region of residence, different payment options may be available.

“Pay in 4 installments” service for Klarna customers from the US:

What is ‘Pay in 4 installments’*?

‘Pay in 4 installments’ is an alternative to traditional credit but without any interest, that allows you to split purchases at Sleeper into 4 payments. These payments will be automatically withdrawn from the debit/credit card you have on file with Klarna every 2 weeks until the full order amount has been paid. In Klarna app, you’ll also have the option to pay off a single installment or even the entire balance earlier if preferred. However, at this time it’s not possible to change the scheduled payment date to a later date.

If your order is eligible for ‘Pay in 4 installments’, you can select the option in the checkout and enter your debit or credit card information. As soon as we ship your order, you will receive an email from Klarna outlining your payment schedule and your card will be charged for the first quarter amount. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

Good to know:

There is no fee to use ‘Pay in 4 Installments’!

You can find more information about your payment options with Klarna here.

*CA resident loans made or arranged pursuant to a California Financing Law license.

How do I sign up for 4 interest-free installments?

There’s no sign up required! If you are accessing our website from anywhere in the US, you will see this option at the checkout, and there’s no need to enter extra information. Simply choose 4 interest-free installments as your payment method at checkout and enter your credit or debit card information. This is the card that’s going to be used for your scheduled automatic payments.

“Pay in 3″ service for Klarna customers from the UK, Italy and Spain:

*Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

How does Pay later in 3 interest-free installments work?

Pay later in 3 interest-free installments will allow you to spread the cost of your purchase at Sleeper over 3 equal payments. The payment for each installment will automatically be collected from the debit or credit card you entered at checkout. Your first installment will be collected when your order is confirmed by Sleeper and installments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.