Para poder usar Klarna tienes que:

• Residir en España

• Tener al menos 18 años

• Tener una cuenta bancaria válida

• Tener un historial de crédito adecuado

• Poder recibir códigos de verificación mediante mensaje de texto

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.

Cuando vayas a pagar, busca el logo rosa de Klarna en la pantalla de pago y selecciona Klarna como método de pago. Después podrás elegir el plan de pago que prefieras. Los pagos pendientes los puedes gestionar desde tu cuenta en la app de Klarna o en Klarna.com, donde también recibirás recordatorios y novedades para ayudarte a llevar todo al día.

En la pantalla de pago, selecciona Klarna como método de pago y elige el plan de pagos que prefieras. Una vez aprobada tu compra, podrás hacer un seguimiento de tu pedido y gestionar tus pagos en cualquier momento desde la app de 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.

Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.

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 behavior and evaluate your creditworthiness.

We will not perform a credit check when:

• Signing up to use Klarna

• Downloading the app

We will perform a soft credit check when you:

• Use Pay in 4

• Use Pay in 30 days

• Use Monthly financing

• Apply for a Klarna Card

Soft credit checks do not affect your credit score and will not be visible to other lenders.

Good to know:

• If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods. Read more about how these credit checks impact your credit score.

• Using the prequalification feature will not affect your credit score in any way, whatever the outcome.

Our third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.

These checks are performed in accordance with Klarna’s Terms & Conditions.

Mejora tu experiencia de compra con la app de Klarna. Gana hasta un 10% de cashback en compras realizadas a través de la app y encuentra ofertas exclusivas solo disponibles para usuarios de Klarna.

Sí, la app de Klarna es completamente gratis de descargar y usar.

Sí, Klarna utiliza medidas de seguridad para proteger tu información personal y tus pagos.

Las devoluciones se gestionan directamente con la tienda. Una vez que {{merchant}} procese tu devolución, Klarna ajustará tu plan de pagos automáticamente. Esto puede incluir actualizar los próximos pagos o hacerte un reembolso si ya has pagado. Klarna te avisará cuando se haya hecho el ajuste.