Flexible payment options

Klarna is a flexible payment service that offers ways to buy now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.

To use Klarna, you need to meet these criteria:

• You live in Germany.

• You’re at least 18 years old.

• You have a valid bank card or bank account.

• We’ve verified your good credit standing.

With Klarna’s flexible payment options, you decide when and how to pay for your purchases. Options include “Pay in up to 30 days,” which lets you order right away and pay the full amount interest-free within 30 days. Alternatively, spread the cost over a longer period, although interest may apply depending on the payment option you choose. Klarna makes flexible payments possible, so you can choose between smaller, more manageable payments or paying the full amount upfront. It’s all about what works best for your needs and budget.

The “Pay now,” “Pay in up to 30 days,” and “Pay in 3 interest-free installments” options are interest-free. As long as you pay on time, there are no late fees. If you choose financing or miss a payment, interest or fees may apply. Check the terms of your payment plan to find out what charges may apply to late payments.

In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status.

View your payment overview anytime in the Klarna app or on the website. There, you’ll find upcoming payments, due dates, and amounts, so you always know what’s coming up.

Depending on the payment method or service you choose, Klarna may conduct a Schufa credit check.

As a responsible lender, we help our customers make sound financial decisions that suit their circumstances.

During a credit check, we verify your identity using the information you provide and review your credit report to understand your financial history and assess your creditworthiness.

Below, you’ll find an overview of the credit checks Klarna carries out for its payment methods and services, and whether they affect your SCHUFA score.

We won’t run a credit check when you:

• Register with Klarna

• Download the Klarna app

• Choose to pay by instant bank transfer

We carry out a credit check that won’t affect your credit score when:

• You choose to Pay in up to 30 days

• You pay for a purchase immediately by direct debit

• You pay for a purchase in 3 interest-free installments

• You open a bank account or top it up by direct debit from another account

• You choose to pay in installments with Klarna

We run a credit check that could affect your credit score when:

• You apply for your Klarna Card

We obtain credit information from SCHUFA, Boniversum, and Experian. If you have any questions about the services these credit agencies provide, we recommend contacting the relevant provider directly.

For more information about how we process your data in connection with credit checks, see Klarna’s Privacy Policy and the Klarna Terms and Conditions that apply to your specific case.

We protect your personal information and other data with the highest security standards.

• All payment details are processed securely

• Your data is never shared with or stored by merchants

• All transactions are processed over secure connections using strict security protocols

• Remove your linked bank account or card at any time

To learn more about how we handle your personal data, please read our privacy policy.

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