Although Pay Later in 3 interest free instalments is widely promoted it is not always universally available by Klarna. The Pay Later in 3 interest-free method is automatically generated by Klarna’s algorithms that are dependent upon a number of factors including the value of order, the online store, previous order history and item availability. If your application for Pay Later in 3 interest-free is denied by Klarna, it does not mean it will be denied for all future orders.