Klarna

What is Klarna?

Klarna is a buy-now-pay-later service that lets you spread the cost of your purchase over time. When you choose Klarna at checkout, you can:

• Pay in 4: Split your purchase into four interest-free payments. The first payment is taken when your order is shipped, and the remaining three instalments are automatically charged every two weeks. There are no fees when you pay on time.
• Pay in 30 Days: Shop now and pay up to 30 days after your order ships, with no fees or interest when you pay on time.

Klarna's spending limit is personalised based on factors like your purchase history and payment behaviour. You can view your estimated purchase power in the Klarna app.

Late fees are capped at $7 or 25% of the missed instalment, whichever is lower. Eligibility criteria apply, and approval is subject to Klarna's credit assessment.

Why Use Klarna?

• Split payments into four interest-free instalments.
• Or get up to 30 days to pay.
• No interest or fees when you pay on time.
• Manage purchases in the Klarna app with reminders before each due date.
• Safe checkout with buyer protection and encryption.
• Keep earning 10% Splash Pass Store Credit on eligible HR Sports orders and combine Klarna with Hump Day Deals for extra savings.

Top Trending Categories This Week

Furniture

Home-Garden

Fitness Equipment

Mattresses & Bedding

Camping Gear

Gardening

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Small Kitchen Appliances

Outdoor & Garden

Tools & Hardware

Security Camera

Pet Products

How to Apply for Klarna

• Select Klarna at Checkout. Add your items to the cart and choose Klarna when you reach the payment page.
• Create or Log In to Your Klarna Account. You'll be asked for some basic details so Klarna can perform a quick credit assessment.
• Check Your Purchase Power. Klarna will display your available spending limit and repayment plan before you complete your purchase.
• Complete Your Purchase. Your order will be processed as normal, and you can manage your payments anytime in the Klarna app.

Where Can I Use Klarna?

Klarna is accepted at thousands of retailers worldwide. At HR Sports, you can use Klarna across every department—from furniture and bedding to fitness equipment and outdoor gear.

The Klarna Card and Klarna app also let you shop with any merchant that accepts Visa. You'll still earn 10% Splash Pass Store Credit on eligible orders and can combine Klarna with our weekly Hump Day Deals.

Tips for Using Klarna Responsibly

• Pay on Time. Set reminders in the Klarna app or your calendar so you never miss a due date.
• Pay the Full Instalment. Avoid late fees by paying each instalment in full by its due date.
• Borrow What You Can Repay. Stick to purchases you can comfortably repay in four instalments or within 30 days.
• Track Your Budget. Use Klarna's spending overview and purchase power tools to keep track of your available limit.
• Contact Klarna if Needed. If you're struggling to make a payment, contact Klarna Customer Support before you miss a payment.

Managing Your Klarna Account

• View your payment schedule in the Klarna app, including upcoming payments and due dates.
• Update your payment methods anytime by adding a new card or bank account.
• Change your plan by paying early or extending a due date once per order (extensions are not available for long-term financing).
• Get help through the Klarna Help Centre or in-app chat if you have questions or need support.

Frequently Asked Questions