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Klarna FAQs

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FAQs

View all FAQs

What is Klarna?

Klarna is a global payments provider that works with retailers to give customers the smoothest online shopping experience by providing unique payment options and superior customer experience. Klarna has 2,500 employees around the world and is leading the way for alternative payments by serving 60 million consumers and 130,000 merchants. Learn more.

How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into equal payments, charged automatically every two weeks beginning at the time your order is confirmed (usually the shipment 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 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?

If you’re eligible to Pay later in 30 days, you can try your order before you buy it. No upfront payment due and your order will be shipped as normal. Once your order has shipped, you’ll receive an email with instructions to pay.

Is there a fee to use Pay later in 30 days or 4 interest-free installments?

There are no fees when you follow the payment schedule and make payments on time. Please review product terms for applicable fees.

What is 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 open-end line of credit 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, and can then complete your purchase. You will receive an email notification of your purchase from Klarna, and can manage your transactions in the Klarna App. 

Will this affect my credit score?

Pay later in 30 days and in 4 interest-free installments will not affect your credit score.

Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.

How can I reach Klarna? Klarna FAQs

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/