What is Financing, and how does it work?

Klarna’s Financing Account is a credit option offered at the checkout of our partnering online stores that provides you with a revolving account and is similar to a traditional credit card, but without the physical card.

The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout. We will then carry out an affordability assessment. If you are approved we will then create your account.

If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.

Goods you ordered will be sent to you by the store. They will send you an email to confirm your order and its expected delivery date. You’ll also receive a physical copy of your credit agreement from Klarna within a few days, as well as a welcome email with a link to your first monthly statement. Statements are sent on or around the 7th of each month.

Your statements and payments will be visible and manageable in your Klarna App. You can also choose to schedule automatic payments (AutoPay) for your Klarna Financing Account in the Klarna App. You can read more about autopay here.

So make sure to download the Klarna App to stay in full control and never miss a payment!

Are the ‘Pay in 30 days’ orders part of the Klarna Account?
They are not part of the Klarna Account, and any existing ‘Pay in 30 days’ orders are not part of the agreed repayment schedule with Klarna.

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