Flexible payments

Pay in 3, interest-free

Split your order into 3 payments with Klarna, PayPal or, in Japan, Paidy. Choose your option at checkout and get a decision in seconds.

3 payments 0% interest* Instant decision

Check your instalments

Pick your country and enter your order total.

Today–
In 1 month–
In 2 months–
Available with:KlarnaPayPalPaidy · coming soon

Estimate only. Final instalments, dates and any costs are shown at checkout and are subject to approval by each provider.

Choose how to pay

Secure ways to split your purchase, depending on your country.

Pay in 3 interest-free instalments. The first is charged when your order ships, the rest automatically every 30 days.

  • Order valueSet by Klarna at checkout
  • Cost0% interest
  • PaymentsOn shipping + every 30 days
  • You needCard or bank account
  • Late feesMay apply (varies by country)
Available in (11)

Austria · France · Germany · Greece · Ireland · Italy · Netherlands · Portugal · Spain · Switzerland · United Kingdom

Full terms →

Choose “Pay in 3” when you pay with PayPal. Interest-free, using the PayPal account you already have.

  • Order value€20–€2,000 (ES) · €20–€3,000 (IT) · £20–£3,000 (UK)
  • Cost0% interest
  • PaymentsToday + 2 monthly payments
  • You needPayPal account
  • Late feesNone
Available in (3)

Italy · Spain · United Kingdom

Full terms →

Available from 2026-11-18

Japan’s leading pay-later service. Choose Paidy at checkout and split your order into 3 monthly payments with Paidy 3-Pay.

  • Order valueFrom ¥3,000
  • CostNo fee by bank transfer or direct debit
  • Payments3 monthly payments, by the 27th
  • You needPaidy app with identity verification
  • Late feesSee Paidy's terms
Available in (1)

Japan

Full terms →

Where is Pay in 3 available?

Availability depends on your billing country.

CountryKlarnaPayPalPaidy
Austria✓––
France✓––
Germany✓––
Greece✓––
Ireland✓––
Italy✓✓–
Japan––✓
Netherlands✓––
Portugal✓––
Spain✓✓–
Switzerland✓––
United Kingdom✓✓–

Your billing address and payment card must be from the country you select. In the United States, Canada and Australia, Klarna and PayPal offer Pay in 4 instead of Pay in 3. In France, PayPal offers 4X PayPal (4 payments).

How it works

Add to cart

Choose your products and go to checkout as usual.

Pick your method

Select Klarna, PayPal or Paidy and choose the 3-payment option.

Get approved

Enter your details and get a decision in seconds.

Receive your order

We ship it like any other order. Instalments are charged automatically.

Frequently asked questions

Does paying in 3 cost anything?

Klarna and PayPal Pay in 3 are interest-free when you pay on time. You always see the total before accepting.

Which countries is it available in?

It depends on the provider and your billing country — see the table above. Klarna Pay in 3 is available in most of the eurozone, the UK and Switzerland; PayPal Pay in 3 in Spain, Italy and the UK; and Paidy 3-Pay in Japan.

I'm in the US, Canada or Australia. Can I split my payment?

Pay in 3 isn't offered there, but Klarna and PayPal offer Pay in 4 (four payments) in these countries, subject to availability at checkout.

What do I need to apply?

You must be 18 or over, live in an eligible country and have a valid payment card (or a PayPal account for PayPal). Each provider runs a quick check and decides instantly.

When are the instalments charged?

The first payment is taken when you order (with Klarna, when your order ships) and the other two roughly every 30 days, automatically, from the same payment method.

Can I return an order paid in instalments?

Yes. Returns work just like any other payment. Once the refund is processed, the provider adjusts or cancels your remaining instalments.

What if I miss a payment?

You'll get a reminder before each payment. If one fails, the provider will contact you; depending on the provider and country, late fees may apply. Check each provider's terms.