Does Klarna perform a credit check on me?

Yes. As a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances.


Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site. We may perform other credit checks for future purchases you make to keep our commitment to lending responsibly.


The check is completed by a third party, Illion. This check will be visible on your credit report but will not impact your credit score. Learn more.


A positive repayment record with Klarna will help ensure your ongoing ability to check out with Klarna in the future.

These checks are performed in accordance with Klarna’s Terms & Conditions, which you agree to when you create an account with Klarna.

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