Pay in 3 Installments – Divide your purchase into three equal, interest-free payments. The first payment is due at checkout, with the remaining two automatically deducted every 30 days.

Pay in 30 Days – Purchase now and pay the full amount within 30 days, interest-free and without fees, as long as you pay on time.

Financing (6-36 months) – Extend your payment timeline with monthly installments.

Klarna is a secure option for online shopping. Here’s why:

Secure Payments – Klarna employs advanced encryption and robust security measures to safeguard your financial data.
Convenient Payment Storage – Your payment details are securely stored, eliminating the need to repeatedly enter card information and minimizing fraud risks.
Buyer Protection – Klarna ensures you’re covered if items are faulty or not delivered, so you won’t be left out of pocket.
Transparent Pricing – There are no hidden fees as long as you make your payments on time.
Fraud Monitoring – Klarna actively monitors transactions for suspicious activity and unauthorized payments, adding an extra layer of security.

Yes, Klarna may conduct a credit check, depending on the payment method you select:

Pay in 3 Installments & Pay in 30 Days – Klarna performs a soft credit check, which does not impact your credit score.
Financing (6-36 months) – Klarna conducts a hard credit check, which could affect your credit score as it evaluates your ability to repay over a longer period.

Soft credit checks are only visible to you, while hard credit checks may be visible to other lenders.

If your Klarna application was declined, it could be due to several reasons:

Insufficient Credit Score – Klarna may reject your request if your credit history doesn’t meet their requirements.
Failed Identity Verification – If Klarna is unable to verify your personal details, your application may be declined.
Outstanding Klarna Balance – Unpaid or overdue payments with Klarna can impact your approval chances.
High Purchase Amount – The order total might exceed what Klarna deems appropriate based on your spending history.
Frequent Applications – Repeatedly applying after being declined can reduce your likelihood of approval.
Risk Assessment – Klarna evaluates various factors, such as past payment behavior and spending patterns, to determine eligibility.

Yes, you can pay off your Klarna balance early at any time. Here’s how:

For Pay in 3 or Pay in 30 Days
You can make an early payment through the Klarna app or website.
There are no penalties or additional fees for paying early.

For Klarna Financing (6-36 months)
You can pay off your full balance ahead of schedule.
If your financing plan includes interest, paying early may lower the total interest you owe.
Review your Klarna account to check for any specific terms related to your agreement.

If your Klarna payment is late, the consequences depend on the payment method you selected:

1. Pay in 3 Installments & Pay in 30 Days
Klarna will send reminders before the due date.
If you miss a payment, Klarna may try to process it again.
Late fees may apply (depending on your country).
Your account could be restricted from future purchases until the outstanding balance is paid.

2. Klarna Financing (6-36 Months)
Late payments may lead to additional fees or interest charges.
Klarna may report missed payments to credit agencies, potentially impacting your credit score.
If payments remain unpaid, Klarna may take further steps to recover the debt.

If you return an item purchased with Klarna, here’s what happens:

1. Pay in 3 Installments & Pay in 30 Days
Once we process your return, Klarna updates your balance.
If you receive a full refund, Klarna cancels any remaining payments.
If only part of your order is refunded, Klarna adjusts your payment plan to reflect the change.
If a payment was already made, Klarna refunds it to your original payment method.

2. Klarna Financing (6-36 Months)
The refund is applied to your Klarna financing balance.
If a full refund is issued, your loan amount is reduced or canceled.
If only a partial refund is issued, your monthly payments are recalculated.

Important Notes
Refunds may take up to 14 days after the retailer processes the return.
You can pause your Klarna payment in the app while waiting for a refund.

Klarna allows you to adjust your payment schedule in certain situations:

For Pay in 3 & Pay in 30 Days
You can extend the due date once through the Klarna app (if eligible).
Klarna may offer a 10-day extension for free or for a small fee.

For Klarna Financing (6-36 Months)
You cannot change the due date, but you can pay off your balance early to reduce interest charges.
If you’re having difficulty making payments, contact Klarna’s support team to explore potential solutions.

Important Notes
Klarna does not allow changes to the due date for overdue payments.
Always check the Klarna app to see if the option is available for your specific order.

You can update your payment details for Klarna by following these steps:

1. Using the Klarna App
Open the Klarna app and log in to your account.
Go to "Payment Methods" in the settings menu.
Add a new card or bank account.
Set it as your default payment method if required.

2. Using the Klarna Website
Log in to your Klarna account at www.klarna.com.
Navigate to "Payment Methods" in your account settings.
Add or update your card or bank details.