How can I get approved to pay with Klarna?

Follow the instructions in the pop-up message which appeared at checkout before attempting to make another purchase, if you are not approved to pay with Klarna.

Our automated approval decisions are based on the available shared customer data, primarily from credit reference agencies, including information such as if you’ve paid off previous credits on time, or if you have too much outstanding debt elsewhere.

I’ve used Klarna before but have been declined

Each purchase attempt generates a new automated approval decision, which is based on current credit data, so one rejection does not mean that future purchases will always be declined.

Good to know: Our customer service agents do not have additional information about the automated decline reason, based on credit reference agency decision data, and are not able to change or influence the decision.

Is there a Klarna spending limit?

While there is no pre-set spending limit, each purchase attempt generates a new approval assessment based on available credit bureau decision data, including if you’ve paid off other credits on time, or if you have too much outstanding debt elsewhere.

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Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ), is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.