Klarna Payment Terms and FAQ
Get more time to pay with Klarna.
We’ve partnered with Klarna to give you a better shopping experience.
It’s smoooth and simple.
Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun.
The best way to shop.
Get deals on your favorite products, check your Purchase power, see all of your purchases in one place, extend your due dates, pay open balances and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, Klarna’s Customer Service is there for you.
Safe and secure.
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases.
How to shop with Klarna.
1. Add item(s) to your cart and head to checkout.
2. Select Klarna at checkout and choose how you would like to pay.
3. Manage your orders and payments in the Klarna app.
About Klarna
We’re on a mission to elevate shopping by reshaping the entire experience from browsing to owning. We do this by giving you convenience, perks and inspiration.
Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. We have 6,000+ employees from 100+ nationalities, and are leading the way for alternative payments by serving 150 million active consumers and over 450,000 retail partners.
https://www.klarna.com/international/about-us/
[ATTN: Only insert the below payment options that are available on your store]
Pay in 4
Split your purchase into 4 interest-free payments so you can spread the cost over time. The card or bank account of your choice will be automatically charged every 2 weeks. No interest or fees when you pay on time.*
*See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.
Fair financing
Apply for monthly financing directly at checkout. A short application will provide an instant decision for you. With no hard credit check there is no impact to your credit to apply. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app. No fees when you pay on time. Monthly financing products are issued by WebBank, member FDIC.
Pay in 30 days
Order today and enjoy up to 30 days before you pay in full.** Now you can receive your purchase, make sure you love it IRL, and only pay for what you decide to keep. No upfront payment, no interest, and no fees when you pay on time.
**See payment terms. CA resident loans made or arranged pursuant to a California Financing Law license.
Pay now
Pay immediately and in full, with the same seamless payment experience you know and expect from Klarna. Debit or credit card accepted.
FAQ about Klarna
We got it covered - we answered frequently asked questions that your customers may have about Klarna before, during or after the purchase. Just choose the Klarna product FAQ below, copy the relevant questions to your site, insert your online store name and terms where applicable. And done!
- Be a resident of the United States or its territories
- Be at least 18
- Have a valid card/bank account
- Have a positive credit history
- Be able to receive verification codes via text
- In the Klarna app, go to Orders and select the order you want to cancel
- Tap Report a problem or More and then Report a problem
- Select the option that suits you best and follow the instruction to pause your payments
- In the Klarna app, go to Orders
- Select the purchase, or the items, you wish to return
- Tap Report return
Fair Financing
What is Financing and how does it work?
Financing allows you to spread the cost of your purchase for up to 36 months.
How to finance your purchase:
Select the Financing option in the store’s checkout
Choose your preferred timeline and interest rate
Follow the steps to complete the application
Get an instant approval decision
Complete your purchase
You’ll receive an email with your payment plan when the store ships your order.
Please note: A credit check will be performed when you apply for our Financing options.
Will this require a credit check and will it impact my credit score?
We do not always perform a credit check on you, nevertheless, as a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
We will not perform a credit check on you when:
Signing up to use Klarna
Downloading the app
We will perform a soft credit check when:
Deciding to Pay in 4
Deciding to Pay in 30 days
Applying for Financing
Read more about how these credit checks impact your credit score.
Our third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.
These checks are performed in accordance with Klarna’s Terms & Conditions.
Which payment methods are accepted?
Klarna currently accepts debit cards as a form of payment when checking out with Financing. Subsequent payments (including autopay) can be made via checking account.
Can I pay off my balance early?
Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna app.
Is shopping with Klarna safe?
The highest security standards are used to protect your data and personal information.
All payment information is processed securely
No details are transferred to or held by the store
All transactions take place via secured connections following strict security protocols
You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.
Where is Klarna Financing available?
Klarna Financing is currently available nationwide, except for online and in-store shoppers residing in West Virginia and Massachusetts. Klarna is available in Puerto Rico, but not in other US Territories.
- All payment information is processed securely
- No details are transferred to or held by the store
- All transactions take place via secured connections following strict security protocols
- You can remove your linked bank account or card at any time
Pay now
Pay now is available to customers from all US states and Puerto Rico. Klarna Pay now is not available in otherUS Territories.