Warning! Fake paper invoices appearing to come from Klarna are currently circulating. The invoices reference an outstanding payment for a purchase which does not exist. To view your outstanding invoices, log into the customer portal or the app.

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 – see question on What is a Credit Reference Agency to learn more) 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.

Phone

Local Rate: 020 300 50833
Freephone: 0808 189 3333
COVID-19 related: 0203 005 0834
Fraud related (available 24/7): 0203 005 0837