What Furniture Stores Accept Klarna?

For significant household purchases like furniture, flexible payment solutions like Klarna allow consumers to acquire items immediately while managing payments over time. This approach helps align larger expenditures with personal budgeting. This guide details where and how to use Klarna for furniture.

Furniture Retailers Accepting Klarna

Many prominent furniture retailers have integrated Klarna as a payment option, offering consumers various styles and price points.
Wayfair provides a vast selection of furniture and home goods, ranging from decor to substantial pieces.
Home Depot offers outdoor, storage, and indoor furnishings.
Ashley allows customers to purchase a variety of home furnishings, from sofas to full bedroom sets.
Rooms To Go partners with Klarna for their living room, dining room, and bedroom furniture collections.
Etsy features independent sellers offering unique, bespoke, and vintage furniture.
Homary specializes in modern and contemporary furniture designs.
Platforms like eBay and Abunda also facilitate furniture purchases using Klarna, often featuring new and used items.

Understanding Klarna Payment Options

Klarna provides different payment structures, with “Pay in 4” and “Monthly Financing” being particularly relevant for furniture purchases.

Pay in 4

This option allows consumers to split their total purchase into four equal, interest-free installments. The initial payment is due at checkout, with the subsequent three payments automatically charged every two weeks thereafter. This option usually applies to purchases ranging from approximately $35 to $1,000, without incurring interest or additional fees when payments are made on schedule.

Monthly Financing

For larger furniture acquisitions, this offers extended payment periods, typically ranging from 6 to 24 months. This option is generally available for purchases starting at $150 or higher. While 0% interest offers can be available, these financing plans may involve interest rates that can vary, with an Annual Percentage Rate (APR) ranging from 0.00% to 35.99%. Monthly financing products are often issued by a partner bank, and a soft credit check is performed during the application process, which does not impact one’s credit score.

Using Klarna for Your Furniture Purchase

Utilizing Klarna for a furniture purchase is possible whether shopping online or in a physical store.

Online Purchases

When purchasing online, shoppers select their desired furniture items and proceed to the checkout page. Klarna typically appears as a payment method option alongside credit cards or other digital wallets. Choosing Klarna initiates a brief application process within the checkout flow, where consumers can select their preferred payment plan, such as “Pay in 4” or “Monthly Financing,” and receive an instant decision.

In-Store Purchases

For in-store furniture purchases, the Klarna app facilitates the transaction. Users open the app and select the in-store option, then search for the specific retailer or choose from listed partners. The app generates a one-time digital card, which can then be added to a digital wallet like Google Pay or Apple Pay. At the point of sale, the shopper simply taps their mobile device to the payment terminal, similar to using a standard contactless credit card. This method allows for the same flexible payment options available for online transactions.