Shop Now, Pay Later
With Klarna, you can split your purchase into four interest-free payments.

How it Works
Step 1
Add your selection to your bag.
Step 2
Select “Klarna” when you check
Step 3
Pay in 4 Disclosure: *See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.
Step 4
The remaining three payments will be automatically charged to your credit or debit card every two weeks.
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Frequently Asked Questions
How do I open a Klarna account?
First, download the app. Once you’re logged in, you can either shop with Klarna or choose one of
the payment options in the Theory checkout. 
How do I use Klarna?
After you’ve set up the Klarna app, you’ll be prompted to link it to your credit or debit card. Once
that’s done, you’re ready to shop. Please note that if you select Klarna at checkout, then when
you reach the Place Order phase of your purchase you will be redirected to Klarna to complete the
What payment methods does Klarna accept?
Klarna currently accepts all major credit and debit cards. Please note that prepaid cards are not
Can I return my purchase if I shop with Klarna?
Your purchase with Klarna is subject to the same return policy as all your purchases.
For a full overview of our return policy see here. Once Theory has issued a return, Klarna will
update your payment accordingly. You can check the status of your payments in your Klarna app.

Are there late fees?
A late fee of up to $7 may be collected if an automatic payment cannot be completed. See here.
for a full overview of Klarna’s Pay Later in 4 Agreement.