Find out if Zales accepts Klarna in this article. Additionally, you’ll discover what other payment methods are accepted at Zales.

Let’s get started!

Does Zales Accept Klarna?

Yes, Zales does accept Klarna. However, Zales is not a Klarna partner store, so you can only use Klarna on Zales’s online store and not in their physical store.

Must Read: 63+ Jewelry Stores That Accept Klarna (Online & In-store)

According to Klarna’s official website, Klarna can be used at any prepaid card-accepting online retailer as well as any partnered physical store.

We looked through the list of jewelry businesses that have partnered with Klarna, but we couldn’t find Zales. That clearly means you can’t use Klarna at their physical store.

The good news is that you can use Klarna at Zales’ online store.

Continue reading to find out how to use Klarna on Zales.com.

How to Use Klarna at Zales?

Open the Klarna app and navigate to Zales.com. Now, add the items to your shopping cart and select Pay with K. Finally, create a one-time card and make the first payment.

Note: The Klarna one-time card is valid for 24 hours and can be used only once.

Here’s how to use Klarna at Zales:

1. Open the Klarna app
2. Tap on the search bar
3. Go to Zales.com
4. Log in to your Zales account
5. Add the items to your shopping cart
6. Tap on Pay with K.
7. Generate a one-time Klarna card
8. Select a payment plan
9. Pay the first installment
10. Complete the purchase

Klarna can also be used on a desktop computer. Install the Klarna browser extension and navigate to Zales.com. Now, add items to your shopping cart and click the Zales browser extension in your browser’s toolbar. Enter the purchase amount, generate the one-time card, review the payment plan, and finally pay at Zales with the generated card.

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Why is Klarna Not Working on Zales.com?

Klarna may not always work on Zales.com. Klarna automatically approves the purchase, but it does not approve 100% of the purchases.

Following are some of the reasons why Klarna declined your purchase:

1. You just joined Klarna. To prevent fraud, new accounts are strictly limited. However, if you continue to use Klarna (to make purchases), you will notice that more purchases will be accepted.
2. Your payment history is poor. To avoid future purchases being denied, make sure you pay off all of your outstanding payments at Klarna.
3. The purchase amount is too high. Klarna will refuse your purchase if the total amount in the shopping cart is too high. Klarna claims there is no limit to the amount or number of transactions you can make, but your spending power grows as you use Klarna.
4. There could be a technical error. If you are unable to use or generate the Klarna one-time card, there may be some technical issues at the moment. It is preferable to wait sometime before retrying.

Accepted Payment Methods at Zales

At Zales (online and in-store), you can use the following payment methods:

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

Additionally, you can also use your Zales Diamond Card to get special financing for your orders. Zales Diamond Card is a better option than Klarna if you are shopping at Zales.

With the Diamond Card, you can enjoy immediate approvals on your orders, a 10% discount on repairs and services, free standard delivery, exclusive discounts, and a $50 discount on purchases made during your birthday month.

You can also finance the purchase with your Diamond Credit Card. Below are the finance plans available at Zales (only for Diamond Credit Card holders):

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

As of now, you can only use Klarna to purchase jewelry from Zales’ online store; you cannot use Klarna to purchase jewelry from Zales’ physical store.

Aside from Klarna, you can also use Affirm, Progressive Leasing, or the Diamond Credit Card to get special financing for your purchase.