Does Zara Offer Klarna? (Try This Instead!)

Klarna is a financing app that lets you spread out your payment over a longer period. Typically, this is about 4 weeks, though it does depend on your plan.

However, you cannot use Klarna everywhere. Instead, it’s only accepted at certain retailers. That being the case, to find out if Zara fits into this category, keep reading!

Does Zara Offer Klarna in [currentyear]?

You can’t use Klarna at Zara in [currentyear]. For this reason, you’ll have to choose a different financing option if you want to spread out your payments. However, you can use Klarna at a variety of other retail locations. It isn’t accepted everywhere, though, so you’ll need to check before you go shopping.

For more information on using Klarna and payment options at Zara, along with other useful and related facts, keep reading!

Does Zara Accept Payment Plans?

Depending on your location, you may be able to use Quadpay to split your Zara payment into four installments over 4 weeks.

While this isn’t really that spread out, it may help you if you’re looking to pay on payday.

Of course, you have to be qualified for the payment plan. Plus, if you don’t pay it back before the due date, you may experience steep finds and interest.

Therefore, be sure that you can pay it back on time before making your purchase.

Zip runs this payment plan, and as you’d expect, the company also offers plans for a variety of other stores.

Who Is Approved for Klarna?

Not everyone can use Klarna; rather, there are a few different requirements to getting approved for this credit company.

First, you have to be a resident of the USA or one of its territories. Klarna does not work worldwide, though it may work in some other countries.

Furthermore, you also have to be at least 18 and have a valid bank account.

Before approving you, the company will run your credit score. Therefore, it is vital that you have a positive credit history, or they may not actually approve you.

As a private company, Klarna doesn’t have to provide you credit for anything.

Because of how the company’s verification works, you’ll need to receive texts to get the verification code. Therefore, you need a way to get these texts.

If you meet all of these guidelines, then you can probably use Klarna (you will need to go and get approved, though)

Can I Buy Anywhere with Klarna?

Can I Buy Anywhere with Klarna?

Klarna only works at partnering stores. Therefore, you can’t simply walk into any store and expect to be able to use Klarna. For instance, Zara doesn’t accept Klarna as a payment option.

Therefore, before you go shopping, you should ensure that the store where you’re shopping accepts this payment method.

You can also shop through the Klarna app, which only contains stores where you can use the payment method through.

You also can’t use Klarna to purchase anything. For instance, this credit doesn’t work for utility bills or rent payments.

Furthermore, you also can’t use it to pay for subscription services, medical bills, gift cards, government bills, and alcohol.

Which Payment Methods Does Zara Accept?

Typically, Zara accepts the most common payment methods. For instance, the company accepts most major credit cards.

You’ll also be able to use Apple Pay and similar payment methods.

Different stores may vary slightly in the payment methods they accept, as it can depend on your location. However, online shopping accepts a wide variety of different payment methods.

Sadly, this company does not accept many credit companies besides Zip.

For this reason, you’ll typically need to pay the payment in full when you make the purchase.

Can Klarna Build Credit?

Sadly, Klarna does not help build credit. The company does not report your payment information to credit bureaus, even though it uses your credit to determine if you’re approved or not.

Therefore, you can’t use this company to build your credit.

Luckily, this also means that Klarna won’t harm your credit, either. If you miss a payment or don’t pay it in time, your credit won’t be affected.

With that said, that doesn’t mean that you should plan on making late payments. Klarna is notorious for its fees and added interest if you pay late.

Therefore, it is best to make all payments on time.

If you are looking to learn more, you can also read our posts on whether or not Zara do Afterpay, is Zara cheaper in Spain, and how long does Zara take to ship.


You can’t use Klarna at Zara, as the company does not accept it as a payment option. Instead, you’ll need to utilize other financing options for this store. 

Klarna is pretty easy to get approved for. However, you’ll need to consider if you can use it at the stores you want to shop in, as Klarna isn’t accepted everywhere.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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