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Does Klarna perform a credit check on me, and will this 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.

When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behaviour and evaluate your creditworthiness.

Depending on the payment method or service you choose, we may or may not perform searches to check your financial standing. 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.

  • Choosing to


We will perform a credit check that might impact your credit score, when:

Our third party credit checks are performed by

and . If you have any questions regarding the services those parties offer, we advise you to reach out to them directly.

These checks are performed in accordance with Klarna’s


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