1. 1. Select Klarna at checkout

    Pay as you like for your purchase. Klarna uses modern safeguards and security to protect your information and prevent unauthorized purchases.

  2. 2. Apply for easy monthly financing

    A simple 2-step application is all it takes for instant approval decision. With no hard credit check, there's no impact to your credit.

  3. 3. Manage payments on Klarna.com

    Once approved, you'll receive reminders and can manage your payments directly on the Klarna app. Questions? Check out the FAQs below or you can reach the Klarna team 24/7

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12 months

Low monthly payments over 12 months
Monthly payment as low as
APRAS LOW AS 0%*

*Promotional purchase rate ranges from 0%-19.99% APR. Non-promotional balances have a standard APR of 19.99%. Subject to a $2 minimum interest charge. Estimation excludes tax and shipping. Klarna Credit accounts are subject to credit approval and issued by WebBank, member FDIC. See complete terms.

Frequently asked questions

  • Klarna is a global alternative payment provider that works with retailers to give customers the smoothest online shopping experience. Klarna is in over 200,000 online stores and has more than 90 million customers

  • Monthly financing is available when you choose to open an account with Klarna at the time of checkout. It starts with a simple 2-step application. There's NO hard credit check so there's no impact to your credit. There are no fees when you pay your monthly payments on time. Monthly financing is issued by WebBank, member FDIC.

    Your credit line can be used anywhere in the Klarna merchant network of over 200,000 online stores.

  • It’s simple! Select Klarna at checkout and apply with a simple 2-step application for monthly financing to get an instant approval decision.

    If approved, you will be presented with your personalized promotional payment plan showing your APR and monthly payment amount. You will have the option to accept your payment plan and, if you do, you’ll receive an email confirmation from Klarna and can manage your payments directly through the Klarna app.

  • When you choose to pay with financing, Klarna only performs a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

  • Klarna currently accepts debit cards as a form of payment when checking out with Financing. Subsequent payments (including autopay) can be made via checking account.

  • Yes, there will be an option to pay off early in the Klarna email correspondence OR via the Klarna app.

  • Klarna uses modern safeguards and security to protect your information and help prevent unauthorized purchases. They offer zero fraud liability with their Buyer Protection policy.

  • If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow Saatva's return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and we’ll pause your statement. As soon as we've processed your return, Klarna will send an adjusted invoice.

  • You do not need to pay for goods that are received damaged, broken, or defective.

    Contact one of our sleep guides at 1-877-672-2882 for help with your order and “report a problem” in your Klarna account to pause your statement until the issue is resolved. As soon as your return has been confirmed by Saatva ,Klarna will process a refund within 5-7 business days.

  • If you have not received your order within the delivery or shipping timeframe estimated, you can open a dispute with Klarna and they will pause billing for 21 days until you are able to reach a resolution about your order.

    Contact us for a delivery update if your order is delayed, log into your Klarna account, and “report a problem” to pause your statement until you’ve received your order.

  • You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App.

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