Klarna goes live at Kohl's online and in the Kohl's app ahead of the US holiday season

Klarna said on 29 October 2026 that its payment options are now live at Kohl's, the US department store chain, for purchases on the Kohl's website and in the Kohl's app. Kohl's had said in a holiday update on 21 October that it had recently added Klarna at checkout, and Klarna's own announcement confirms the rollout. Shoppers get three choices. They can pay in full straight away, split the purchase into four interest-free payments, or use financing spread over a longer period for larger purchases. Klarna's announcement covers online checkout and the app. It does not say whether Klarna can also be used in Kohl's stores, which number more than 1,100 across 49 states. The launch is timed for the US holiday season, when pay-later use usually peaks. It also adds another large national retailer to Klarna's US list in the same week that Klarna said its options had gone live at http://CarParts.com. Klarna says it works with more than 1.2 million retailers and has more than 120 million active users worldwide. For other merchants, the main point is competitive. When large chains offer flexible payments during the holidays, shoppers come to expect the same choice elsewhere, especially for gifts and higher-value baskets. Pay-later providers charge merchants more than standard card acceptance, so the trade-off between higher conversion and basket size on one side and acceptance cost on the other has to be measured product by product. Merchants should also prepare for more refund and return activity running through pay-later plans in January.