DoorDash introduces ‘Buy Now, Pay Later’ option via Klarna

• DoorDash is partnering with Klarna to offer customers flexible financing options for purchases. The company will offer multiple repayment plans.

• The concept of financing food delivery drew mockery online. Critics pointed to high delivery fees and record consumer credit card debt, which reached $1.21 trillion in late 2024.
• Klarna is rapidly expanding its partnerships ahead of an IPO, most recently inking a deal with Walmart’s financing provider.

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Food delivery service DoorDash and Swedish financial services company Klarna announced on Thursday, March 20, that they’ve partnered to allow delivery customers the option to finance their orders. Klarna, who offers a “buy now, pay later” option for other retailers and online services, said in a release that DoorDash customers will have access to Klarna’s payment options when purchasing groceries, retail and even the DashPass Annual Plan in the coming months. 

Klarna said the agreement will offer “Dashers” three options to finance their food orders:

• Pay in Full: allows customers to pay for what they love right away using Klarna’s seamless payment experience. 

• Pay in 4: allows customers to pay in four equal interest-free installments 

• Pay Later: allows customers to defer payments to a more convenient time, such as a date that aligns with their paycheck schedules

DoorDash has expanded its offerings beyond its local restaurant delivery service, as opposed to financing that late-night Taco Bell delivery. 

“As we expand DoorDash’s offerings—from groceries and beauty to electronics and gifts—flexible payment options are essential to meeting our customers’ needs,” Anand Subbarayan, Head of Money Products at DoorDash, said.

What has the reaction been?

The premise of financing a food order after paying a premium to have it delivered resulted in some online mockery. 

what do you mean you have $11k in "doordash debt" pic.twitter.com/pu1h8GqdZg

— adam 🇺🇸 (@personofswag) March 20, 2025

Some joked about a likely negative reaction from syndicated radio host Dave Ramsey, whose show stresses financial discipline to get out from under debt. 

Others pointed to the absurdity of needing to split up the financial hit when purchasing a meal with the high added cost of delivery. 

According to the Federal Reserve Bank of New York, Americans held a record $1.21 trillion in credit card debt in the last quarter of 2024. The bank said the amount is the highest it’s seen since it began tracking this data in 1999.

Klarna announced on Monday, March 17, that it will partner with Walmart’s OnePay financing program as the financing technology company boosts its profile ahead of an expected public stock offering.