Flexible ways to pay

Klarna is a flexible payment service that offers ways to buy now and pay later. Simply select Klarna at checkout when its available and well quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.

To be eligible to use Klarna:

• Be a resident of the United States or its territories

• Be at least eighteen years old or of legal age in your state of residence.

• Have a valid card/bank account.

• Have full legal capacity to enter into a contract.

• Accurately provide your true and correct personal details.

• Be able to receive security verification codes via text message.

Good to know:

• A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.

Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free instalments, to pay off the balance in 30 days, or to spread costs over an extended period. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.

Pay in full, Pay in 30 days, and Pay in 3 options are interest-free. There are no late fees when you pay on time. If you choose financing or miss a payment, interest or fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment.

In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status.

You can use Klarnas buy now, pay later options anywhere you shop. Choose Klarna at checkout when its available, or pay with Klarna using the app, Klarna Card, Apple Pay, or Google Pay. Availability and eligibility may vary depending on the purchase.

You can view your payment schedule anytime through the Klarna app or website. Your account shows upcoming payments, due dates, and amounts, so you can stay on top of your payments.

Klarna performs a credit check and evaluates your ability to pay by assessing available data to ensure responsible lending.

As a responsible lender, we want to ensure were helping you make the right financial decisions for your 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 behaviour and evaluate your creditworthiness.

We will not perform a credit check when:

• Signing up to use Klarna

• Downloading the app

We will perform a soft credit check when you:

• Use Pay in 3, 6 or 12 interest-free instalments

• Use Pay in 30 days

• Use Financing

• Apply for a Klarna Credit Card

Soft credit checks do not affect your credit score and will not be visible to other lenders.

Our credit checks are performed by the credit reference agencies Transunion & Experian. If you have questions regarding their services, your credit score, or the data provided as part of a credit check, contact the credit reference agencies directly. Credit checks are performed in accordance with Klarnas Terms & Conditions.

How using Klarna will affect your credit score

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.

Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.

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.