Why wasn’t my purchase approved with Klarna?

Klarna does not approve 100% of all orders, and we aim to support responsible, ethical, and sensible spending habits. We understand that it can be frustrating to be declined for purchase after being approved in the past. However, our approval process helps Klarna responsibly offer our services to our customers. Please understand that our Customer Service is not able to change the automated outcome of the approval decision.

 

How can I increase my eligibility?

  • The length of time you have been a Klarna customer may increase your limit. History of positive behaviour as a Klarna customer can improve your chances of being approved.
  • If you still have balances on unpaid purchases, it would be beneficial to pay them off to increase your spending limit.
  • The total amount in the shopping cart may be too high, so try to remove an item(s) and try again.

Good to know:

  • Each purchase is a new decision, so one rejection does not mean that your future purchases will always be declined.
  • A rejection does not negatively impact your credit score
  • Attempting too many purchases in a short amount of time may result in being rejected (fraud prevention)
  • The approval decision is not based solely on credit score but instead multiple internal data points such as past payment history

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