This genius app makes it easy to pay for big holiday purchases over time

This article is brought to you by Klarna and created by In The Know’s commerce team. If you decide to purchase products through the links below, we may receive a commission. Pricing and availability are subject to change.

While the holiday season is bursting with fun and excitement as people plan for parties and gift exchanges, it can also do a real number on your bank account. Thinking about all the people you love and want to celebrate with may make you feel warm and fuzzy, but doling out the cash to buy them all gifts? Not so much.

If your holiday shopping budget isn’t exactly as big as your holiday shopping gift list, download the Klarna app ASAP. It’s a convenient new way to pay over time, and it’s super easy to get started.

Credit: Klarna

Once you download the Klarna app, you’ll be able to shop at hundreds of retailers, both online and in person. When you’re ready to pay, just use your Klarna account. Instead of one big bill, your order will be split into four interest-free payments.

Worried you’ll forget when the next payment is due? No need. Klarna can send email and SMS reminders, and you can also set up autopay by saving your credit or debit card to your Klarna account.

You can use Klarna to pay for purchases both big and small, but it will especially come in handy for splurge gifts during the holiday season. If you want to get your BFF that beautiful bag she’s been talking about, use Klarna to pay for it over time. Or maybe your mom needs a new KitchenAid stand mixer? You can use Klarna to surprise her with one this holiday season.

For a limited time only, you’ll receive a $5 reward to use toward your purchase when you download the Klarna app. When you have so many people to shop for, every dollar counts, so don’t miss this deal.

P.S. If shopping on an app isn’t your thing, rest assured you can use Klarna on your computer, too. There’s a handy browser extension you can download here. You can also select the Klarna option at participating retailers like Wayfair, Nike, Sephora, Solo Stove and tons more.

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