Flexible ways to pay

Klarna gives you flexible ways to pay when you shop. Choose Klarna at checkout where available, and we’ll quickly verify your details to complete your order. Track and manage all your payments in the Klarna app, with reminders to help you stay on top of them.

To use Klarna, you must:

• Be a resident of the Netherlands

• Be at least 18 years old

• Have a valid bank account

• Have a positive credit history

• Be able to receive verification codes by text message

Flexible payments give you the freedom to choose how and when you pay for your purchases. With Klarna, choose Pay in 3 to split the cost into interest-free installments, Pay within 30 days to pay the full amount within 30 days, or Pay now to pay in full right away. Choose smaller, manageable payments or pay it all upfront, whatever works best for you.

Pay now, Pay within 30 days, and Pay in 3 are interest-free. As long as you pay on time, you won’t be charged any debt collection fees. If you miss a payment, you may be charged fees. Check your payment plan’s terms to see exactly which fees may apply if you miss a payment.

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.

You can view your payment schedule anytime through the Klarna app or website. Your account shows upcoming payments, due dates, and amounts, so you can stay on top of your payments.

As a responsible lender, we want to help our customers make financial decisions that are right for their circumstances.

When we carry out a credit check, we use the details you've provided to verify your identity and review information in your credit report to understand your financial behavior and assess your creditworthiness.

These credit checks aren't visible to other banks or lenders and don't affect your credit score in any way.

Whether we carry out a credit check depends on the payment method or service you choose. Below is an overview of the credit checks we carry out for our payment options and services.

We don't carry out a credit check when you:

• Sign up for Klarna.

• Download the Klarna app.

• ‘Pay now’ with a bank transfer or credit card.

We carry out a credit check that doesn't affect your credit score when you:

• ‘Pay now’ with direct debit.

• Choose ‘Pay in 3 installments’.

• Choose ‘Pay within 30 days’.

We use credit data from Economic Data Resources and Informdata. We carry out these checks in accordance with Klarna's terms and conditions.

We use the highest security standards to protect your data and personal information:

• We process all payment details securely

• The retailer doesn't receive or store any data

• All transactions take place over secure connections that follow strict protocols

• Remove your linked bank account or bank card at any time

For more information about how we process your personal data, read our Privacy Policy.

Read our Cookie Policy to learn more about how we use cookies and the choices available to you.