Is Klarna available in Estonia, Latvia and Lithuania?

No. Klarna does not list the Baltic States among its consumer markets. Local players fill the gap: ESTO, Inbank and Citadele's Klix Pay Later offer pay in 3, pay later and installment plans.

Local BNPL and installments

• ESTO: pay later and installment financing at many Baltic online stores.
• Inbank: consumer financing and installment plans integrated at checkout and in stores.
• Klix Pay Later by Citadele: pay later options linked to a bank.

Banks also offer their own installment products, and some merchants partner with lenders directly.

What shoppers use

For larger purchases, installment plans are common, especially for electronics and furniture. For smaller amounts, cards and bank links remain the default.

What it means for international merchants

A BNPL provider used in Western Europe may not cover Baltic shoppers. Offering local providers at checkout gives these shoppers a familiar option.

What it means for payment operators

For your merchants selling in the Baltics, local BNPL providers replace the brands they use elsewhere. Adding them through one platform, next to cards and bank links, keeps the checkout relevant in each market.