Pour utiliser Klarna, vous devez:

• Habiter en France

• Avoir minimum 18 ans

• Posséder un compte bancaire valide

• Avoir un historique de crédit positif

• Être en mesure de recevoir des codes de vérification par SMS

You can use Klarna almost anywhere:

• Choose Klarna in the checkout of partnered stores - just look for the pink badge.

• Use Klarna at stores that accept Apple Pay.

• Use the Klarna Card at stores that accept Visa.

Explore our store directory to see where you can use Klarna.

Can I use Klarna to buy anything?

Almost! But there are some exceptions:

• Utility bill or rent payments

• Gift cards

• Governmental bills & fines

• Medical care

• Online gaming or gambling

• Drugs or alcohol

You can find more information in our Terms & Conditions.

Au moment de payer, repérez le badge rose Klarna au paiement et sélectionnez Klarna comme moyen de paiement. Vous pourrez ensuite choisir l'option de paiement qui vous convient le mieux. Les paiements restants peuvent être gérés depuis votre compte dans l'appli Klarna ou sur Klarna.com, où vous recevrez également des rappels et des mises à jour pour vous aider à respecter vos échéances.

Lors du paiement, sélectionnez Klarna comme moyen de paiement et choisissez le plan de paiement qui vous convient le mieux. Une fois votre achat approuvé, vous pouvez suivre votre commande et gérer vos paiements à tout moment dans l'appli Klarna.

Klarna has partnered with OnePay to bring flexible pay over time options to Walmart shoppers through OnePay Later. With OnePay Later, you can shop at Walmart.com, in the Walmart app, or in-store and pay in smaller, fixed, payments. Simply add what you need into your shopping cart, choose OnePay Later at checkout as your payment method, and if approved, choose a payment plan that fits your monthly budget. You’ll receive your full payment schedule, including details of your first due payment, by email once your purchase is processed by Walmart. You can also manage your payments in the Klarna app or OnePay app.

Good to know:

• The Annual Percentage Rate (APR) for purchases is between 9.99%-35.99%¹

• OnePay Later loans are powered by Klarna and issued by WebBank

Click here to learn more about OnePay Later.

Just select OnePay Later when checking out at Walmart.com, in the Walmart app, or in-store. If approved, you will be presented with up to three payment plans. Choose the best plan for you, and then complete your purchase. You may be eligible to pay over time with OnePay Later on purchases between $50 and $6,000.

There are no impacts to your credit score when you apply. Klarna and Bank Partners perform a soft credit check which does not affect your credit score and will not be visible to other lenders. Klarna shares information about loans and your repayment activity with the credit bureaus - TransUnion and Experian, such as if you pay on time, or make late payments or fail to pay. For now, the shared data will not impact your score, as it is only visible to you. Other institutions currently are not able to view the payment history on your loans.

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna. Eligibility is based on factors such as your payment history with Klarna, outstanding balance, the total amount in your shopping cart, and our ability to identify you.

What is prequalification?

Prequalification is store-specific, it estimates what may be available for a purchase at a specific store and for the payment options offered. It is an estimate, not guarantees, and the final decision is still made when the purchase is assessed at checkout.

You can make up to 3 prequalification attempts at each store within 48 hours.

Améliorez votre expérience d'achat avec l'appli Klarna. Gagnez jusqu'à 10% de cashback sur les achats effectués via l'appli et trouvez des bons plans exclusifs réservés aux utilisateurs Klarna.

Oui, l'appli Klarna est totalement gratuite à télécharger et à utiliser.

Oui, Klarna utilise des mesures de sécurité pour protéger vos informations personnelles et liées au paiement. Les paiements sont traités de manière sécurisée.

Les retours sont gérés directement par le magasin. Une fois le retour traité par {{merchant}}, Klarna ajustera votre plan de paiement en conséquence. Cela peut inclure la mise à jour des paiements à venir ou l'émission d'un remboursement si vous avez déjà payé. Klarna vous informera dès que l'ajustement aura été effectué.