Can’t wait until pay day to shop on H&M? Klarna is a payment method which allows you to buy now and pay later.
The payment option is a controversial one. While Klarna does say it’s safe to use and that using it won’t affect your credit rating, some have reported being unable to buy a house due to their use of it.
Money to the Masses also mentions that by using Klarna – a third-party – to make a purchase, shoppers forego their consumer rights. In short, they’re not protected by law if the order is faulty, not as described, doesn’t turn up or the retailer goes bust. You can read more about it here.
In keeping things balanced, I must add that the payment method can be really useful if you want to try something on at home and don’t want to shell out for the privilege.
This is because you can order items, try them on and if you don’t love them, return them – all without money ever having to leave your bank account.
If you feel confident that you still want to use Klarna to shop online, you might be wondering which brands accept it. The short answer is that most of them now do.
So is H&M one of them? Read on to find out more.
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Does H&M take Klarna?
Yes, it certainly does. You can choose from the Pay in 30 days or Pay in 3 Instalments options, and it also allows you to snooze your payment if you need more time.
Unlike most brands however, you can also do this with in-store purchases.
READ MORE: What is H&M’s Next Designer Collaboration?
How to use H&M pay later in store
All you need to do is download the H&M app in order to buy now and pay later on purchases made in-store.
You’ll first need to activate Pay later in the H&M app and scan your membership QR-code at the till. Immediately after your purchase is registered, Klarna will send you the payment information by email.
This isn’t applicable to the Pay in 3 Instalments option.
Does Zara take Klarna?
Zara is another fast fashion retailer to accept Klarna as a form of payment. You can read more on that here.
Does the One4All gift card work in H&M?
H&M also accepts payment via the One4All gift card.
To use it online, you enter the card details just as you would a credit or debit card.
Which other brands accept Klarna?
There are a number of brands that take the payment method these days, including: