A shopping and money management app combines flexible payments, price comparisons, cashback, purchase tracking, and access to Klarna financial services.

A deferred payment option lets eligible shoppers receive their purchases before paying the balance on the scheduled due date.

Purchase financing powered by Klarna lets eligible Walmart shoppers split purchases into fixed payments and manage repayments through Klarna or OnePay.

An immediate payment option lets shoppers check out with saved card details and manage eligible purchases in the Klarna app.

Short installment payments split eligible purchases into three or four scheduled payments, with availability and terms depending on the market.

Purchase financing spreads eligible purchases across monthly repayments, with offered terms and borrowing costs determined during application.