Shop now, pay later.

Depending on the payment method or service you choose, we may perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.

Using Klarna will not affect your credit score when:

• Choosing to ‘Pay in 3 instalments’
• Deciding to ‘Pay in 30 days’
• Creating a ‘One-time card’

For the above mentioned, we will perform a credit check will not be visible to other lenders and therefore won’t impact your credit score in any way.

Using Klarna might affect your credit score when:

• Applying for one of our Financing options

If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.

When you choose the Financing option you will be asked to provide or confirm some details about your financial situation. We’ll use this information to decide whether we think you are able to meet your repayment obligations.

To make a purchase with Klarna you need to provide:

• Your phone number
• Email Address
• Current billing address
• A valid debit/credit card

We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.

All information will be sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.

Good to know: If you change your email address after you have placed an order, please contact Customer Service and we will help you update your information.