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Why is my debt in collection?

If your payment is not registered by the last reminder due date, the debt is transferred to debt collection.

Can I still pay Klarna directly?

Pay in 3 & Pay in 30 days

No, once the debt is sent to collection you will have to contact the debt collection agency directly for payments, questions and settlement information. You can find contact information for the collection agency printed on your debt collection letter.


Yes, you can pay either directly to Klarna or to the collection agency. Your outstanding balance will then be updated.

To settle your balance through Klarna:

  1. Tap Payments
  2. Choose the order you would like to pay
  3. Tap Payment options and follow the instructions

Any questions regarding fees added for the collection of debt should be directed to the debt collection agency. You can find contact information for the collection agency printed on your debt collection letter.

Good to know: If a payment is late, you will not be able to continue using Klarna until you’ve paid off your debt. Late payments will be reported to the credit bureaus.

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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.