How to extend or reschedule a Klarna payment

You can postpone a Klarna payment through the Klarna app or website by going to your order, selecting the payment due, and choosing "Postpone payment." Klarna typically allows you to move your due date forward by two weeks at a time, though the exact window depends on your payment plan and how many postponements you've already used. The postponement is usually instant, and your new due date appears in the app right away.

Not all payment plans allow postponements. If you're on a four-payment plan (split into four equal installments over six weeks), you have limited postponement options compared to longer plans. Monthly payment plans generally offer more flexibility. If the postpone button doesn't appear in your app, your plan type doesn't support that feature.

Postponing is different from requesting a payment plan change. A postponement shifts your next due date without altering the total amount owed or the number of remaining payments. If you need to restructure the entire plan—say, to extend it from four payments to six—you'll need to contact Klarna support instead.

Key Takeaways

  • Use the Klarna app or website to postpone a payment by two weeks; the option appears on the order details page under the payment you want to delay.
  • Four-payment plans have limited postponement options, while longer payment plans typically allow more flexibility.
  • Postponing shifts only your next due date and does not change the total amount owed or the number of payments remaining.
  • If postpone is not available for your plan, contact Klarna support through the app to discuss other options like a payment plan modification.
  • Postponing does not affect your credit score, but missing a payment after postponement will be reported to credit bureaus.

Where to find the postpone option in the Klarna app

Open the Klarna app and go to the "Purchases" or "Orders" tab. Find the order with the payment you want to postpone. Tap on it to open the order details. You should see your payment schedule listed with upcoming due dates. Look for the payment that's coming up soonest—next to it or below it, there should be a "Postpone payment" button or link.

Tap that button. A confirmation screen will appear showing your current due date and your new due date (usually two weeks later). Review the new date, then confirm. The app will update immediately, and you'll see the postponed date reflected in your payment schedule. You can also check your email for a confirmation message from Klarna.

If you don't see a postpone option, scroll down to make sure you're looking at the right section of the order details. Some orders show payment information in a separate "Payment plan" section. If it still doesn't appear, your plan type may not support postponement.

Postponing on the Klarna website instead of the app

Log into your Klarna account at klarna.com. Click on "Purchases" or "Orders" in the main menu. Find the order with the payment you want to postpone and click on it. The order details page will show your payment schedule. Locate the upcoming payment and look for a "Postpone" or "Postpone payment" link next to the due date.

Click the link. A popup or new page will confirm the current due date and show the new date after postponement. Click "Confirm" or "Postpone" to finalize the change. Your account will update, and you'll receive an email confirmation with your new payment schedule.

The website version works the same way as the app—you're moving your due date forward by two weeks without changing anything else about your plan. If you've already postponed once or twice, Klarna may limit how many more times you can postpone the same payment, though this varies by plan.

How many times you can postpone and what happens if you reach the limit

Klarna does not publish a fixed limit on postponements, and the number of times you can postpone varies depending on your payment plan length and your account history. Some accounts allow two or three postponements per payment; others may allow more. Once you've postponed a payment, the app or website will show you whether you can postpone again or if you've reached your limit for that particular payment.

If you've used up your postponements and still can't make the payment on the new due date, contact Klarna support through the app. Explain your situation, and they may be able to work with you on a one-time extension, a payment plan restructure, or a hardship option. Klarna is more likely to help if you reach out before the payment is due rather than after you've missed it.

Repeatedly postponing payments without paying can eventually result in your account being flagged for non-payment. Klarna may then refer your account to a debt collector or report the missed payments to credit bureaus, which will damage your credit score. Postponement is a tool for timing, not a way to avoid paying.

What to do if postpone is not available for your payment

If the postpone button doesn't appear, your payment plan type may not support postponements. Four-payment plans (Klarna's shortest option) often don't allow postponement, especially if you're close to the due date. Some older orders or certain merchant partnerships also may not have postponement enabled.

Your other options are to contact Klarna support or to pay early if you can. Paying early doesn't hurt you—it simply closes out that payment ahead of schedule. If you can't pay and postpone isn't available, open the Klarna app, go to the order, and look for a "Contact us" or "Help" button. Explain that you need to delay the payment and ask whether they can modify your plan or grant a one-time extension.

Response times from Klarna support vary. During business hours, you may get an answer within a few hours. Outside business hours or during high volume, it can take 24 to 48 hours. If your payment is due very soon, postpone through the app first if possible, then contact support about other options.

How postponement affects your credit and payment history

Postponing a payment does not hurt your credit score. It is not reported to credit bureaus because you are not missing or late on the payment—you are simply moving the due date forward with Klarna's permission. Your payment history remains clean as long as you pay by the new due date.

However, if you postpone and then miss the new due date, that missed payment will be reported to credit bureaus and will damage your credit. Klarna typically reports missed payments after 15 to 30 days past due, depending on your account and the severity of the miss. A single late payment can lower your credit score by 50 to 100 points or more.

Postponement also does not change the interest or fees on your plan. If your plan charges interest (some Klarna plans do, others don't), postponing does not add extra interest. You pay the same total amount; you're just paying it later.

Alternatives if postponement won't work for you

If you've used up your postponements or postpone isn't available, consider these options. Pay early: If you have any money available, paying the full amount or a partial amount now reduces what you owe and may ease the pressure on your next due date. Request a plan restructure: Contact Klarna support and ask whether they can convert your four-payment plan into a six-payment plan or extend your monthly plan by an extra month. This spreads the remaining balance over more payments, lowering each one.

Use another payment method: If you have a credit card, personal loan, or savings, you could pay Klarna in full now and then manage the debt through that other method. This is only useful if the other method has better terms or more flexibility. Speak with Klarna about hardship: If you're facing a temporary financial hardship (job loss, medical emergency, unexpected expense), Klarna may offer a temporary payment pause or a modified plan. Be honest about your situation and ask what options exist.

Do not ignore a payment that's due. Even if you can't postpone and can't pay in full, contact Klarna before the due date to discuss what you can do. A proactive conversation is far better than a missed payment that gets reported to credit bureaus.

Frequently Asked Questions

Can I postpone a payment that's already late?

No. Postpone is for upcoming payments that haven't yet come due. If a payment is already late, you cannot postpone it through the app. Contact Klarna support immediately to discuss payment options or a plan modification. The sooner you reach out, the more options they may have.

Does postponing a payment mean I don't have to pay it?

No. Postponing moves your due date forward, usually by two weeks, but you still owe the full amount. You must pay by the new due date or risk a late payment being reported to credit bureaus and damaging your credit score.

What if I postpone and then still can't pay on the new date?

Contact Klarna support before the new due date. Explain your situation and ask about a second postponement, a plan restructure, or a hardship option. Reaching out proactively is much better than missing the payment. If you miss it, the late payment will be reported to credit bureaus.

Can I postpone multiple payments at once?

You can postpone each payment individually, but you cannot postpone your entire plan in one action. Go to each upcoming payment in the app and postpone them one at a time. Some plans may limit how many payments you can postpone in a row, so check the app after each postponement.

Will postponing affect my Klarna credit limit?

Postponing a payment on time does not affect your credit limit. However, missing a payment after postponement will be reported to credit bureaus and may lower your credit score, which could result in a reduced credit limit on future Klarna purchases.