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

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

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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.