Spread the cost of your fashion fix over 4 interest free installments

Klarna's Pay in 4 are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, US residents only. Subject to status. Late fees may apply. Ts&Cs apply.

Power of 4

Here's how you split your spend into 4 equal payments over 60 days

1.

Choose your must-have new looks & add to basket

2.

Head to checkout as usual & select Klarna

3.

Pay your 1st instalment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks.

Who are ?

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

More than 90 million shoppers are using Klarna. 200,000 retailers are working with us worldwide. We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

River Island is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent US residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 4 instalments are not regulated by the FCA.

Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

Who are ?

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

More than 90 million shoppers are using Klarna. 200,000 retailers are working with us worldwide. We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

River Island is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent US residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 3 instalments are not regulated by the FCA.

Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

The good checklist

Klarna is a form of credit.
to pay in 4 you need...

TICKTo be 18+

TICKA valid mobile number & email address

TICKA US home address

TICKA credit/debit card that will be valid for 60 days after placing your order

Am I eligible

Your eligibility to Pay in Four is subject to your financial circumstances. Don't forget, it's only available for people ages 18 or over.

FAQs

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Who are Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.

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How does Pay Later in 4 work?

Pay in 4 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 4 equal instalments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when you check out. The remaining 3 payments will be collected every 2 weeks. You can always monitor your payments’ schedule in the Klarna app.

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Am I eligible for Pay later in 4?

To use Pay later in 4 interest-free instalments you must be at least 18. Whilst this option is widley promoted, Pay later in 4 interest-free installments is subject to your finacial circustances. When choosing Pay later in 4 interest-free installments, our assesment will not affect your credit rating.

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All other FAQs

Remember to select at the checkout