How to pay with Klarna at Kliently

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)

You can use Klarna at partnering shops and at any prepaid card-accepting online store in Sweden.

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

Can I use Klarna to buy anything?

Almost! But there are some exceptions:

• Utility bills 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.

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.

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.

What is prequalification?

Prequalification is store-specific, it estimates what may be available for a purchase at a specific store and for the payment options offered. It is an estimate, not guarantees, and the final decision is still made when the purchase is assessed at checkout.

You can make up to 3 prequalification attempts at each store within 48 hours.

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.

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

Yes, Klarna uses security measures to protect your payments, personal information, and payment details.

Returns are handled directly through the store. Once the return is processed by Kliently, 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.