What happens if I can’t pay on time?

Pay in 3

If we are unable to collect the payment on the scheduled date, we will try again. If the payment fails, the amount due for the missed payment will be added to the next scheduled payment. Missed payments can incur late fees and may be sent to debt collection.

Pay in 30

You’ll receive a payment reminder if you miss the due date of your Pay in 30 days purchase. Be sure to pay on time to avoid late fees and debt collection.

Klarna Card

You can make a manual payment at any time by logging in to the app. Avoid late payment fees by setting up automatic payments to ensure you don’t miss a payment.

  1. Log in to the

  2. Go to Klarna Card settings

  3. Tap AutoPay

If you pay late, Klarna may report the entire Klarna Card balance (including purchases converted to 3, 6 or 12 month Financing) as overdue to the credit reference agencies, which could affect your credit rating negatively and make it harder or more expensive for you to obtain credit in the future.


If your automated Financing payment fails you can make a manual payment in the app. Any missed payment will be automatically added to the next month’s installment. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.

Good to know:

  • Klarna reports all purchases made with the Klarna Card, Financing, and Buy Now Pay Later (BNPL) purchases, to the credit reference agencies. More information can be found in our


  • If you continue to miss payments any outstanding debt, together with incurred fees, may be sent to debt collection for recovery.

if you are experiencing financial difficulties – we are here to help.

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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.