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Does Klarna perform a credit check on me and will it affect my credit score?

As a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances and as such we may perform a credit check when you use Klarna.

The credit check will not impact your credit score but will be visible to other lenders on your credit report, so it might impact their decision.

Depending on the payment method or service you choose, we may or may not perform searches to check your financial standing. We may perform other credit checks for future purchases you make to keep our commitment to lending responsibly.

You can find an overview of the credit checks we run for our payment options and services below.


We will not perform a credit check on you when:

  • Signing up to use Klarna.
  • Downloading the Klarna App.

We will perform a credit check when:

  • Purchasing with a ‘One time card’ for the first time.
  • At check out from a partnered merchant.
  • When making a new purchase, if your account has been inactive for more than 90 days.


A positive repayment record with Klarna will help ensure your ability to check out with Klarna in the future. Of course, if you are late with your payments or fail to pay, this could have a negative impact on your credit score and prevent you from using your Klarna account again

Our third party credit checks are performed by Illion. If you have any questions regarding the services this party offers, we advise you to reach out directly.

These checks are performed in accordance with Klarna’s Terms & Conditions.

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