To be eligible to use the Klarna you must:

• Be a resident of New Zealand

• Be at least 18

• Have a valid bank card/bank account

• Have a positive credit history

• Be able to receive verification codes via text

You can use Klarna at partnering physical shops and at any VISA card-accepting online store in New Zealand.

Explore the stores and shop with us directly from their websites or use the app to shop at any of your favorite stores and pay with Klarna.

Can I use Klarna to buy anything? Almost! But there are some exceptions:

• Utility or rent payments

• Gift cards

• Governmental bills & fines

• Medical care

• Online gaming or gambling

• Rideshare services

• Subscription services

• Drugs or alcohol

You can find more information in our Terms & Conditions.

When you’re ready to pay, look for the pink Klarna badge at checkout and select Klarna as your payment method. You can then choose the payment option that works best for you. Any remaining payments can be managed in your account in the Klarna app or on Klarna.com, where you’ll also receive reminders and updates to help you stay on track.

At checkout, select Klarna as your payment method and choose the payment plan that works best for you. Once your purchase is approved, you can track your order and manage your payments anytime in the Klarna app.

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.

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna. Eligibility is based on factors such as your payment history with Klarna, outstanding balance, the total amount in your shopping cart, and our ability to identify you.

Yes, when you use our Pay in 4, or pay later credit products we conduct a credit check to assess your eligibility for credit. This helps us ensure responsible lending and assist our customers to make good financial choices for their circumstances.

Good to know: If you make late payments or fail to pay, this could have a negative impact on your credit score and prevent you from using our payment methods in the future.

You can read more about the credit bureaus we use to perform credit checks in our privacy policy.

With the Klarna app, you'll be able to find exclusive deals only available to Klarna users.

Yes, the Klarna app is completely free to download and use.

Yes, Klarna uses security measures to protect your personal and payment information. Payments are processed securely.

Returns are handled directly through the store. Once the return is processed by {{merchant}}, Klarna will adjust your payment plan accordingly. This may include updating upcoming payments or issuing a refund if you’ve already paid. You’ll be notified by Klarna once the adjustment has been made.