We understand that life can take unexpected turns and you may find yourself unable to make a payment on time. However, there’s no need to stress as Klarna will work with customers who are experiencing financial hardship. Simply contact them to discuss an alternative repayment plan or deferral options. While we don’t charge interest fees, Klarna does charge fixed late fees for each option. They assess a $7 late fee for late Pay in 4 installments or up to $35 per missed month for longer term plans. If you contact Klarna in advance or in a timely manner, they may offer alternative options to help you with your specific situation.