Frequently Asked Questions
Don’t see your question here? Check out Klarna’s full FAQ page.
What is Klarna?
Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.
How do I pay in 4 interest-free installments?
Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.
How do automatic payments work?
Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.
How does Pay later in 30 days work?
When you checkout with Pay later in 30 days, you have the ability to try your items before you buy. Receive and review your order at home before ever making a payment. Once your order has been shipped, you’ll receive an email with instructions to pay. Need to make a return? Simply log in to the Klarna App.
Is there a fee to use Pay later in 30 days or 4 interest-free installments?
There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.
What is Klarna monthly financing?
Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network. View complete terms.
How does financing with Klarna work?
It’s simple! Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna, and can manage your account through the https://app.klarna.com/login.
Will this affect my credit score?
When you choose Pay later in 30 days or 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.
Klarna is one of the fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience.
Klarna has 2,500 employees across 17 countries, and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants smoooth payment solutions.