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.

  • Shop

    Get the things you want today and spread the cost into 4 interest-free instalments.

  • Checkout

    When you're ready to pay online, just select Pay later in 4 interest-free instalments at the checkout.

  • Pay

    The instalments are automatically deducted from your card. Your first payment is deducted when your order has been shipped from the warehouse. The three remaining payments will be deducted from your card every 14 days after the first payment is taken.

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 now

    Don't like to wait? Just pay it all at once.

  • Report return

    Would like to return an item? If you report your return, your payment will be put on hold until your return is handled.

GOOD TO KNOW

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

Q&A.