In this article, you’ll learn whether Kay jewelers accept Klarna. You’ll also learn what other payment methods are accepted at Kay jewelers.

Let’s get started!

Does Kay Jewelers Accept Klarna?

Yes, Kay jewelers accept Klarna. You can only use Klarna on Kay’s online store, not in their physical store, as Kay Jewelers is not a partner store of Klarna.

According to Klarna, users can use Klarna as a payment method at any online retailer that accepts prepaid cards.

However, you can only use Klarna at physical stores that have partnered with Klarna.

Klarna works with a number of jewelry retailers (online and in-store) who offer Klarna as a financing option. Read this article to see the full list: 63+ Jewelry Stores That Accept Klarna→

How to Use Klarna at Kay Jewelers?

To use Klarna at Kay jewelers, simply go to Kay’s online store on the Klarna app, add the items to your cart, and tap the Pay with K. button.

Here’s how to use Klarna at Kay jewelers:

Step 1: Open the Klarna app

Step 2: Search for Kay jewelers

Step 3: Add items to your cart

Step 4: Tap Pay with K.

Step 5: Enter the purchase amount

Step 6: Generate the one-time card

Step 7: Review the payment plan

Step 8: Make the payment

Note: The Klarna one-time card is only valid for 24 hours and can only be used once. For each new purchase, you must create a new one-time card.

To begin, open the Klarna mobile app and tap on the search box. Enter Kay.com in the search bar.

Sign in to your Kay.com account before going to the store. Begin adding items to your shopping cart after signing in.

Take note of the total amount of your purchase and then tap the Pay with K. button at the bottom of the screen.

Don’t forget to apply the cashback or discount coupons that Klarna has recommended.

Enter the purchase amount and create a one-time Klarna card to make the payment.

You must wait a few seconds for the card to be generated and for Klarna to approve the payment. Klarna does not approve all payments.

The approval is based on a variety of factors, including your payment history and a number of other data points.

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Why is Klarna Not Working on Kay.com?

According to Klarna, not all orders are approved, which could result in a failed transaction at Kay.com. Here are a few of the reasons why Klarna is not now working on Kay.com:

1. Your purchase amount is high. If the cart value is too high, Klarna typically declines the payment. Simply remove some items from your cart and try again to solve this. Once the payment has been approved, add the products that were removed to a new cart and complete the transaction. Yes, you can use Klarna to make multiple payments.
2. You have an overdue payment. Klarna will not approve new payments unless the outstanding amounts are paid in full. So, before making a new purchase, make sure you pay off any outstanding balances on previous purchases. For a small fee, you can also extend the upcoming due dates of previous transactions.
3. You’ve made far too many transactions in a short period of time. If you use Klarna to finance your purchases repeatedly in a short period of time, Klarna will reject a new payment. Klarna does this to help prevent fraud.
4. You are a new user. For new users, there are tight restrictions, and Klarna might not approve all of your orders. However, your odds of approval increase the more you use Klarna, and so does the purchase limit.
5. You have a bad credit score. Klarna does not always do a credit check. When a credit check is conducted, Klarna validates your identification using all of the information you’ve provided. Credit reports are used to analyze your financial behavior and determine your creditworthiness. If you have a poor credit history, Klarna may decline your payment.

Accepted Payment Methods at Kay Jewelers

You can use the following payment methods at Kay jewelers:

1. PayPal
2. Apple Pay
3. Visa
4. Mastercard
5. American Express
6. Discover
7. Progressive Leasing
8. Affirm

You can also finance your purchase with the KAY Jewelers Credit Card.

You can get special benefits with the KAY Jewelers Credit Card, such as $100 off during your birthday month and $100 off during the cardholder’s anniversary month.

Below are the payment plans available for KAY Jewelers Credit Card users:

Payback Period	Minimum Purchase	Interest Rate
6 Months	$300	Zero Interest if paid in full within 6 months.
12 Months	$750	Zero Interest if paid in full within 12 months.
18 Months	$3000	Zero Interest if paid in full within 18 months.
36 Months	$1500	16.99% APR for 36 months. After that, purchase APR of 29.99%.

For more information on the payment plans, visit this page.

Conclusion

Klarna is only available at Kay jeweler’s online store. Kay Jewelers is not a Klarna partner store, hence it does not accept Klarna in-store.

You can, however, finance your purchase using another finance service, such as Affirm. You can also get interest-free payment options by using your KAY Jewelers Credit Card.