Financing

Frequently Asked Questions

Don’t see your question here? Checkout 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 170,000 online stores and has more than 70 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 equal 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.

Is there a fee to use 4 interest-free installments?
There are no fees when you follow the payment schedule. Please review product terms for applicable fees.

How do automatic payments work?
Payments are collected bi-weekly 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

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 Klarna App .

Will this affect my credit score?
When you 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.

Where do make payments?
Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login . You can also chat with Klarna customer service 24/7 in the Klarna App .

How can I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat or call 844-455-2762