Get it now with Instacart. Pay for it later with Klarna.

New Instacart customers get $25 off your first order with code 25KLARNA.

Klarna helps you elevate your shopping game and spreads out the cost of your Instacart order into 4 payments. Plus there’s no interest or fees when you pay on time.

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How to shop on Instacart with Klarna

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Add items to your cart

Shop on Instacart for groceries, electronics, beauty, pets, and more.

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Select Klarna at checkout

When you’re done shopping, go to the checkout screen and choose Klarna as your payment method.

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Complete a quick verification on Klarna.

You’ll also add a payment method on Klarna so you can make payments every 2 weeks for your order.

For further details visit the Instacart Help Center.

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Frequently asked questions

Klarna lets you make purchases now and pay for them in four payments across 6 weeks—with no additional fees when you pay on time.

The minimum purchase amount is $10. The maximum purchase amount is $1000.

Klarna requires: - A U.S.-issued debit or credit card - That you’re 18 years of age or older - A U.S. billing address - A phone number that receives text messages

Klarna accepts most debit and credit cards (Mastercard, Visa, AMEX, Discover). Please note: prepaid cards and EBT SNAP are not accepted.

Klarna cannot be used for - Prescriptions - Alcohol purchases from certain retailers - Instacart+ subscriptions - Gift cards

When you "pay in 4,", Klarna splits your purchase into 4 equal payments. Klarna collects the first payment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks, with no interest or fees when you pay on time.

No. When you Pay in 4 with Klarna, Klarna may conduct a soft credit check which does not affect your credit score and is not visible to other lenders. For more information, contact Klarna.

Klarna will email you if your payment is unsuccessful. They’ll also try one more time to collect it. If they can’t collect it a second time, then it will be added to your next payment along with a late fee. See complete terms and more information on late fees.

You can request a refund by contacting Instacart customer service at 1 (888) 246-7822 or visiting Instacart's Help Center.

Visit Instacart's Help Center or Klarna’s Help Center to learn more about Klarna. Download the Klarna app to chat with customer service. See complete terms.

Terms & Conditions

$10 min. purchase required. Item and retailer exclusions apply. Must create Klarna account and use eligible payment method. Initial payment may be required at time of purchase. Monthly financing through Klarna is issued by WebBank, member FDIC and is subject to Klarna terms, credit check, and approval. CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license. Delivery subject to availability. Instacart is not a retailer or seller. Instacart and/or certain retailers, may not be available in all zip or post codes.