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

Yes, when you use our Pay in 4, or pay later credit products, we conduct a credit check to assess your eligibility for credit. This helps us ensure responsible lending and assist our customers to make good financial choices for their circumstances.

Good to know: If you make late payments or fail to pay, this could have a negative impact on your credit score and prevent you from using our payment methods in the future.

You can read more about the credit bureaus we use to perform credit checks in our privacy policy.