I have used Klarna before – why have I been declined?

We understand your frustration having successfully used Klarna previously. The way our business model works is that the approval assessment is completed against each individual order attempt. We do this by contacting our Credit Reference Agencies (or CRAs for short) to understand your credit history as well as your Klarna performance history – have you paid off previous credits on time? Have you too much outstanding debt elsewhere? Whilst we would like all our products to be available to everyone, as a responsible lender, we must ensure not to overburden consumers – hence Klarna performs a credit check for every order.

On the flip side, because each purchase attempt generates a new automated approval decision, being declined does not mean that future attempts will also be rejected.

Was this article helpful?

Yes, it was helpful
No, I still need help

Still need help? Contact us.

We're available 24/7 via chat.

or Call us

Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.