Flexible ways to pay

Klarna is a flexible payment service that offers ways to buy now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.

To be eligible to use Klarna's payment methods that involve credit, you must:

• Be a resident of Sweden

• Be at least 18 years old

• Have a valid bank account

• Have a positive credit history

• Be able to receive verification codes via SMS

Good to know: At age 15, you can create a Klarna account to use our payment methods that don't involve credit (bank transfer or card payment)

Flexible payments let you choose how and when to pay for your purchases. Pay now, pay within 30 days, or spread the cost over time. With Klarna, choose the option that suits you best.

Our pay now and pay within 30 days options are free. You won't be charged reminder fees as long as you pay on time. If you choose to pay in instalments, pay within 60 days, or miss a payment, interest or fees may apply. Always check the terms of your payment plan to see what costs 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 our customer service. Options may depend on your payment plan and account status.⁷

Use pay later wherever you shop. Choose Klarna at checkout when available, or pay with Klarna through the app or with the Klarna Card. Availability and purchase power may vary depending on the purchase.

View your payment plan anytime in the Klarna app or on Klarna's website. Log in to your account and go to Purchases to view the details of each payment plan.

When a credit check is carried out, we verify your identity using the information you have provided and review the data in your credit report to understand your financial behaviour and assess your creditworthiness.

These credit checks are not visible to other banks or lenders and do not affect your credit score in any way.

Depending on the payment method or service you choose, we may sometimes perform a credit check. Below is an overview of which of our payment options and services may involve a credit check.

We do not perform a credit check when you:

• Register to use Klarna

• Choose to pay the full amount directly using your Klarna personal account, card, Swish, or bank transfer

• Download the Klarna app

We may perform a credit check, which does not affect your credit score, when you:

• Apply for the Klarna Card

• Choose to pay later (e.g. within 30 or 60 days) or use a monthly invoice

• Choose to pay via direct debit

• Choose to split your payment

If a credit check is performed, you will receive a copy of your credit report via email or by post.

Our credit checks are performed by the external parties Creditsafe and UC. If you have any questions about the services these parties provide, we recommend contacting them directly.

These checks are performed in accordance with Klarna's terms and conditions.

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

• All payment information is processed securely

• No details are transferred to or saved by stores

• All transactions occur through a secure connection following strict security protocols

• You can remove your linked card or bank account at any time

To learn more about how we handle your personal information, read our privacy policy.

Find information about how we use cookies and your options for customizing them in our cookie policy.