Klarna

Buy Now, Pay Later Or Pay Over Time With Monthly Financing*

Buy Now, Pay Later Or Pay Over Time With Monthly Financing*

We’ve partnered with Klarna to help you explore even more ways to shop.
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how it works

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1. Shop your favs

1. Shop your favs

Add picks to your bag — just make sure the total is between
$10 and $10,000 at checkout to use Klarna. Your order total must be between $10 and
$1,500 to split your purchase into 4 interest-free payments. Add picks to your bag — just make sure the total is between $10 and $10,000 at checkout to use Klarna. Your order total must be between $10 and $1,500 to split your purchase into 4 interest-free payments.
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2. Choose Klarna

2. Choose Klarna

If your cart is eligible for Klarna payment options, you can choose
to split your purchase into 4 interest-free payments or pay over time with monthly financing*.

*Monthly financing through Klarna issued by WebBank, member FDIC. CA residents: Loans made or
arranged pursuant to a California Financing Law license. If your cart is eligible for Klarna payment options, you can choose to split your purchase into 4 interest-free payments or pay over time with monthly financing.

*Monthly financing through Klarna issued by WebBank, member FDIC. CA residents: Loans made or arranged pursuant to a California Financing Law license.
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3. Complete the order

3. Complete the order

After you make your purchase, check your inbox for an email
confirmation from Klarna. After you make your purchase, check your inbox for an email confirmation from Klarna.
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4. Pay

4. Pay

You'll see the first charge when your order ships. The remaining
payments will be automatically processed according to your payment terms. You'll see the first charge when your order ships. The remaining payments will be automatically processed according to your payment terms.
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questions?

Yes, you’ll need: A US-issued debit or credit card, to be 18+ years old, a US billing address, and a SMS-capable phone number.
If your cart is eligible for Klarna payment options on joann.com, the option will be presented at checkout. After confirming your phone number, you'll be sent an SMS message to confirm your identity. You'll then set up your payment method or financing option with Klarna and accept the terms of your payment plan.

When you make a return, a partial or full refund will be issued based on the items returned and the payments owed to Klarna will be adjusted accordingly. If there is a delay in JOANN registering a return Klarna will issue a new payment due date for the stuff you decided to keep. Please see the JOANN Return Policy for more information about what products can be returned.

Please reach out to Klarna’s customer service team and they’ll be happy to look into the options available. You can contact them in the Klarna app or at Klarna.com.

A late fee may be charged if a 4 interest-free payments payment cannot be collected or if a monthly financing payment is not made on time. Please see terms for full details.

Visit Klarna's website or download the app to speak with customer service.

NOTICE: Klarna is an independent payment solutions company that takes end-to-end responsibility for your payment. These FAQs and other information about Klarna are provided for informational purposes only, are not legal or financial advice, and are subject to any applicable terms and conditions that govern your purchase and payment. You should check the Klarna app or klarna.com for the most up-to-date information. To view all terms & conditions, click here.