Führt Klarna eine Bonitätsprüfung bei mir durch und wirkt sich das auf meine Kreditwürdigkeit aus?

As a responsible lender, we want to ensure we help our customers make the right financial decisions based on their circumstances.

During a credit check, we verify your identity based on the information you provide and look at information from your credit report to understand your financial behavior and assess your creditworthiness.

Depending on which payment method or service you choose, we will check your financial situation. Below you will find an overview of the credit checks we carry out for our payment options and services.

We won’t check your credit if:

• You register with Klarna
• You download the Klarna app
• You decide to pay by “ immediate transfer ”.

We carry out a credit check, which may affect your creditworthiness if:

• When shopping, you select the payment options “ Invoice ” or “Pay in 3 installments”.
• You decide on Klarna financing
• You decide to pay immediately by direct debit

Our third-party credit checks are carried out by Crif and Bisnode . If you have any questions regarding the services offered by these credit agencies, we recommend contacting the respective service provider directly.

Credit checks are carried out in accordance with Klarna’s general terms and conditions