Shop now. Pay later.
Exclusively for Members

Join our Loyalty Program and try before you buy.
Pay later is available online and in-store with the H&M app.

With Pay later, you'll be able to:

  • Shop online and in-store effortlessly
  • Try your items first and pay for them later
  • Choose an option: Pay in 30 days, Snooze, Monthly financing or Pay in 4 installments

Get the H&M APP

How it works in 3 quick steps:

Not sure how to use Pay later?

No worries — our tutorial is here to help!

Pay the way that suits you...

You have 4 options to choose from:

Good to know:

Our Pay later service is not available online or in-store in the US territories. For your safety, H&M will occasionally ask to see your ID. When activating Pay later or checking out online with any Klarna-provided payment method, you'll automatically have the option to use Pay later in-store with the H&M app. Please note that when you have activated Pay later, all your payment information is available in your smartphone. Therefore you should never share your password or account information. If your phone is lost, please contact us or Klarna. Pay later by Klarna