With Pay in 4 instalments you will be able to:

  • Spread the cost into 4 interest-free payments.
  • Your payments will automatically be taken from your card.
  • Manage your purchase on your member account page.

Get the H&M APP

Let's take a look at how it works in three quick steps.

How to handle your purchase

You can always choose how to manage your purchase after it is made, in the H&M app. Go to 'Payments H&M x Klarna' and choose the way that suits you. Here are some of your options.


Pay later in 4 interest-free instalments is a collaboration with Klarna.