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TIRE FINANCING

Klarna Tire Financing

Buy new tires with Klarna and split the cost into convenient payments that fit your budget.

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Klarna

How Klarna Tire Finance Works

Klarna is an everyday money app that is designed to manage spending, payments, and rewards in one place. It also provides a buy now, pay later service. It lets you buy tires right away and pay in installments over time, rather than all at once.

Step
1

Find the ideal tires

Find the ideal tire by entering the vehicle's year, make, and model, or by searching directly by size.

Step
2

Choose delivery option

We offer fast, free shipping on all orders, with delivery directly to your home or to local shop installers.

Step
3

Select Klarna at checkout

At checkout, choose Klarna from the "Buy Now, Pay Later" options.

Step
4

Instant approval and pay over time

Receive a real-time credit decision in seconds without affecting your credit score. After approval, complete the tire purchase.

Klarna Benefits

4 Ways to Pay

Split the tire purchase by using four different payment plans.

Shop Almost Anywhere

Pay online, with a one-time card, or Klarna Card wherever Visa is accepted.

Earn While Shopping

Get cashback and manage spending in the Klarna app.

Know Before You Buy

See the payments and cost before any purchase.

Check With No Credit Score Impact

Purchasing power checks use a soft credit check. It does not affect your credit score.

Built-in Security and Protection

Eligible purchases include buyer protection and fraud monitoring.

Clear Rates and Fees

Monthly financing options have interest rates from 0.00% to 35.99% APR. Some transactions include service or late fees.

Klarna Payment Calculator

$

$0

$10,000

Repayment Period

Monthly installment

$175.00

Estimate only. The calculator is informative and not binding.

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Klarna Payment Options

Pay in 4

This plan splits the purchase into four interest-free payments, which are automatically charged every 2 weeks.

Pay in 30 Days

Buy tires immediately and pay the full balance 30 days after your order ships. This option has no interest or fees as long as it is paid on time.

Pay Over Time (Financing)

Geared toward larger purchases, it allows you to spread payment over 3 to 24 months. Interest rates range from 0.00% to 35.99% APR.

Pay In Full Today

Choose to pay fully immediately at checkout.

Frequently Asked Questions

Does Klarna check credit?

Yes, Klarna usually runs a soft credit check in Pay in 4 and Pay in 30 plans. It doesn't affect your score and isn't visible to other lenders. But long financing plans may involve a harder credit check in some cases, which shows up as an inquiry and has a small, temporary impact on your score.

Does Klarna report to credit bureaus?

Yes, Klarna reports your payment history to credit bureaus for long-term financing. Longer financing plans are reported to TransUnion/Experian as installment loans. However, Klarna's Pay in 4 isn't reported to credit bureaus; it only performs a soft credit check.

Can you pay off Klarna early?

Yes, Klarna does not charge prepayment penalties. You can pay off a balance early without extra fees. For interest-bearing financing plans, paying early can save money on interest, while the Pay in 4 and Pay in 30 options are interest-free either way.

How to get approved for Klarna?

To be approved for Klarna, you must meet basic eligibility criteria and pass a real-time automated credit and affordability check during checkout. Basic requirements include being at least 18 years old, providing a Social Security number, having a valid debit or credit card, and being a U.S. resident with a valid address and phone number.

What happens if you don't pay Klarna?

If you don't pay Klarna, they'll charge a late fee, retry the payment on your card, and then restrict your account from making new purchases. Late payments on Pay in 4 usually aren't reported, but continued non-payment can result in the debt being sent to a collections agency, which can hurt your credit. Financing plans report missed payments directly.

Can you pay Klarna with a credit card?

Yes, you can pay with credit cards. Klarna accepts major credit cards like Visa, Mastercard, Discover, and Amex in some regions. However, there are exceptions. Credit cards aren't accepted for Klarna Financing plans or for purchases made with the Klarna Card. Those require a debit card or bank account.