There’s something about the promise of summer—blue-sky beach days, patio afternoons and balmy nights with a side of sunrise—that inspires a total refresh of your closet and beauty bag. But with so many essential pieces to purchase, how do you stay on trend and on budget?

That’s where Klarna comes in. Recently launched in Canada, Klarna provides a flexible shopping experience. It allows you to pay in four payments at beloved brands like Mejuri, Sephora and Dynamite. Here’s how Klarna works: After a quick and easy approval process at checkout, your purchase is split into four equal payments that will be automatically withdrawn every two weeks. The best part is, with “Pay in 4,” there are absolutely no fees and there’s zero interest. It’s an ingenious (not to mention super-convenient) alternative to credit cards and their high interest rates.

Read on for our top fashion and beauty buys of the summer. From a tinted serum that’s packed with SPF to a pair of Y2K cargo pants that go with literally everything, these warm-weather-ready items just so happen to be available through Klarna’s “Pay in 4” offering, so you can shop smarter, not harder.

1. Dot Chain Anklet, Mejuri

Get into it: Anklets are all the way back. This dainty dotted one is the little something that completes your look, whether you’re sporting a crocheted minidress or vintage cut-offs and a sun-bleached tee.

Price: $325 or 4 interest-free payments of $81.25 with Klarna.


2. Ilia Super Serum Skin Tint SPF 40 Foundation

When the temps consistently rise above, say, 25˚C, so does our penchant for low-key, no-fuss makeup. This SPF-40 tinted serum is packed with skincare actives and creates a super-desirable dewy finish, making it just the ticket to achieving a pretty and protected base.

Price: $62 or 4 interest-free payments of $15.50 with Klarna.


3. Cleo Cargo Pant, Garage

Music festivals, park hangs, cidery hopping—we’re having a hard time thinking of a summer outing where these cargo pants shouldn’t make an appearance. All you need is a cropped tank, sunnies and sneakers for a full outfit.

Price: $64.95 or 4 interest-free payments of $16.23 with Klarna.


4. Signet Pinky Ring Rhodolite, Mejuri 

Clean, classic and punctuated by a perfect-pink rhodolite gem, this statement pinky ring is one you’ll be wearing all season. Pair it with everything from a utilitarian romper to a floaty dress and watch the “Where’d you get that from?” compliments roll in.

Price: $128 or 4 interest-free payments of $32 with Klarna.