When you choose to pay in 4 interest-free instalments with Klarna, we will perform a credit check for the first attempt to fulfill the purchase. We will be able to use this credit check for 90 days. If you were to attempt another purchase after the 90 days or if you change your address in our app or website, we will perform another credit check. This credit check will be visible on your credit report, but does not directly affect your credit score. It may still affect your ability to be eligible for credit at other parties, as they can see the credit inquiry on your report and may use it as a basis for their final decision. As a responsible lender, we do not wish to grant credit to customers who may have difficulties in fulfilling payment. It is for this reason that we perform a credit check. We want to gather information about our customers in order to ensure that they can afford the debt before we even consider providing them with credit.

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.