How can I get approved to pay with Klarna?

Follow the instructions in the pop-up message which appeared at checkout before attempting to make another purchase, if you are not approved to pay with Klarna.

Our automated approval decisions are based on the available shared customer data, primarily from credit reference agencies, including information such as if you’ve paid off previous credits on time, or if you have too much outstanding debt elsewhere.

I’ve used Klarna before but have been declined

Each purchase attempt generates a new automated approval decision, which is based

, regardless of past approvals or rejections.

Good to know: Our customer service agents do not have additional information about the automated decline reason, based on credit reference agency decision data, and are not able to change or influence the decision.

Is there a Klarna spending limit?

While there is no pre-set spending limit, each purchase attempt generates a new approval assessment based on available credit bureau decision data, including if you’ve paid off other credits on time, or if you have too much outstanding debt elsewhere.

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Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.