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Shop now,
pay later
Introducing Klarna:
split your purchase
4 interest-free payments.
How it works:

1. Shop your faves

Add picks to your bag (just make sure the total is between $10 and $1,000). Exclusions apply; see below.

2. Choose Klarna

Answer a few questions at checkout to see if you’re approved.

3. Complete your order

After you make your purchase, check your inbox for an email confirmation from Klarna.

4. Pay

You’ll see the first charge when your order ships. The remaining 3 payments will be automatically processed every 2 weeks.

Questions? We have answers:

What are the requirements for using Klarna?

  • A U.S.-issued debit or credit card
  • You’re 18 years of age or older
  • A U.S. billing address
  • A phone number that receives text messages
The items in your shopping bag must total between $10 and $1,000 to be eligible.Gift Cards and Beauty Box subscriptions cannot be purchased with Klarna.

What if I don’t see Klarna at checkout?

Klarna is not currently available in the Macy’s app. If you’re shopping in the app, try switching to a mobile or desktop browser. If you still don’t see Klarna at checkout, that means that the items in your shopping bag aren't Klarna-eligible. Make sure your purchase total is between $10 and $1,000. If you have Gift Cards or a Beauty Box subscription in your bag, your order won’t be eligible for purchase with Klarna. (Try removing those items or choosing another form of payment.)

Can I use my Macy’s Card on a Klarna purchase?

Klarna purchases can be paid with Macy’s American Express® Cards but not Macy’s Credit Cards.

What if I need to make a return?

We want you to love your purchase, but if you’re not completely satisfied, we gladly accept most returns by mail and in stores within 90 days of purchase for free. Returned items must be in original, saleable condition with original tags. Shipping and delivery fees are non-refundable.

Exceptions apply. See Macy’s Return Policy for more details.

You can check the status of your payments and refunds on or in the Klarna app.

What happens if my payment is late?

You may be charged a fee of up to $7 if an automatic payment can’t be collected. See terms.

Have more questions?

Visit or download the Klarna app to chat with customer service. See complete terms.