Frequently Asked Questions

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores. Learn more about Klarna here.

How does Pay in 4 instalments work?

Split the cost of your purchase into 4 interest-free payments, paid every 2 weeks. No interest. No catch. Just more time to pay for the things you love.

How it works:

  • Select Klarna as your payment method within the checkout.

  • The first payment is charged when Dr Sam's confirms your order (this is usually the shipping date for online orders).

  • The next 3 payments are automatically made every 2 weeks after your first payment (payments are every 15 days for California residents).

  • Klarna charges no interest with Pay Later in 4 and no fees unless you fail to make a payment.

  • If you return or cancel any part of your purchase, Dr Sam's will confirm with Klarna that your cancelation / return has been accepted, Klarna will then cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

  • If you have questions about the quality or shipping of your order, please contact us directly at

  • A Late Fee of up to $7 may be charged by Klarna if any scheduled payment remains unpaid after 10 days (this will never exceed 25% of your Installment Payment amount).

  • Depending on your payment method, your financial institution may charge you interest or fees under your agreement with them. If you have any questions about those charges contact your payment method provider.

  • To learn more about Klarna Pay Later in 4 Agreement terms please follow this link.


Does Klarna impact my credit score?

When you use Klarna to split your purchase into 4 interest-free payments, Klarna run a soft credit check. It won't affect your score, it just helps Klarna confirm that you pay your bills on time.

How do credit checks work?

There are two kinds of credit checks-hard and soft. Soft credit checks, the kind Klarna will run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.

If you're interested in one of Klarna's financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing though a Klarna credit account is issued by WebBank, member FDIC.

I still have questions regarding Klarna.

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.