With Pay later you will be able to:

  • Get your items first and pay later.
  • Shop in store and online with the H&M app.
  • Manage your payment on your member account page.
  • Choose an option: Pay in 30 days or Pay in 3 instalments. If you want more time, you can also choose to snooze the payment and extend the due date.

Get the H&M APP

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

Here are your payment options with H&M x Klarna

Choose the way that suits you…

Good to know

Pay later and Pay in 3 Instalments are forms of credit. When you choose Pay later or Pay in 3 Instalments Klarna will perform a soft search with a credit reference agency to check your eligibility. This search is not a full credit check and it will not affect your credit rating or be visible to others. You will, however, be able to see the search. H&M Hennes & Mauritz UK Ltd is not a lender and acts only as an introducer. You must be 18+ and a UK resident to be eligible for this credit offer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status and non-payment could result in being referred to a debt collection agency. Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Credit subject to status. T&Cs apply see klarna.com/uk/terms-and-conditions. For debt and money advice please reach out to https://www.moneyadviceservice.org.uk.