To be eligible to use Klarna you must:

• Be a UK resident

• Be at least 18

• Have a valid card/bank account

• Be able to receive verification codes via text

You can use Klarna at partnering physical shops and at any prepaid card-accepting online store in the UK.

Explore the stores and shop with us directly from their websites or use the app to shop at any of your favourite stores and pay with Klarna.

Can I use Klarna to buy anything?

Almost! But there are some exceptions:

• Utility bills or rent payments

• Gift cards

• Governmental bills & fines

• Medical care

• Online gaming or gambling

• Rideshare service

• Subscription services

• Drugs or alcohol

You can find more information in our Terms & Conditions.

When you’re ready to pay, look for the pink Klarna badge at checkout and select Klarna as your payment method. You can then choose the payment option that works best for you. Any remaining payments can be managed in your account in the Klarna app or on Klarna.com, where you’ll also receive reminders and updates to help you stay on track.

At checkout, select Klarna as your payment method and choose the payment plan that works best for you. Once your purchase is approved, you can track your order and manage your payments anytime in the Klarna app.

Klarna has partnered with OnePay to bring flexible pay over time options to Walmart shoppers through OnePay Later. With OnePay Later, you can shop at Walmart.com, in the Walmart app, or in-store and pay in smaller, fixed, payments. Simply add what you need into your shopping cart, choose OnePay Later at checkout as your payment method, and if approved, choose a payment plan that fits your monthly budget. You’ll receive your full payment schedule, including details of your first due payment, by email once your purchase is processed by Walmart. You can also manage your payments in the Klarna app or OnePay app.

Good to know:

• The Annual Percentage Rate (APR) for purchases is between 9.99%-35.99%¹

• OnePay Later loans are powered by Klarna and issued by WebBank

Click here to learn more about OnePay Later.

Just select OnePay Later when checking out at Walmart.com, in the Walmart app, or in-store. If approved, you will be presented with up to three payment plans. Choose the best plan for you, and then complete your purchase. You may be eligible to pay over time with OnePay Later on purchases between $50 and $6,000.

There are no impacts to your credit score when you apply. Klarna and Bank Partners perform a soft credit check which does not affect your credit score and will not be visible to other lenders. Klarna shares information about loans and your repayment activity with the credit bureaus - TransUnion and Experian, such as if you pay on time, or make late payments or fail to pay. For now, the shared data will not impact your score, as it is only visible to you. Other institutions currently are not able to view the payment history on your loans.

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna.

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna. Eligibility is based on factors such as your payment history with Klarna, outstanding balance, the total amount in your shopping cart, and our ability to identify you.

What is prequalification?

Prequalification is store-specific, it estimates what may be available for a purchase at a specific store and for the payment options offered. It is an estimate, not guarantees, and the final decision is still made when the purchase is assessed at checkout.

You can make up to 3 prequalification attempts at each store within 48 hours.

Yes, we perform a credit check. Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.

As a responsible lender, we want to ensure we’re helping you make the right financial decisions for your circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behaviour and evaluate your creditworthiness.

We will not perform a credit check when:

• Signing up to use Klarna

• Downloading the app

We will perform a soft credit check when you:

• Use Pay in 3, 6 or 12 interest-free instalments

• Use Pay in 30 days

• Use Financing

• Apply for a Klarna Credit Card

Soft credit checks do not affect your credit score and will not be visible to other lenders.

Our credit checks are performed by the credit reference agencies TransUnion, Experian and Equifax. As a regulated lender, we're legally required to report Pay in 3 and Pay in 30 days payment data to these agencies. If you have questions about their services, your credit score, or the data shared as part of a credit check, contact the credit reference agencies directly. Credit checks are performed in accordance with Klarna’s Terms & Conditions.

How using Klarna will affect your credit score

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.

Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.

Enhance your shopping experience with the Klarna app and earn up to 15% cashback on purchases made through the app. Plus, find exclusive deals only available to Klarna users.

Yes, the Klarna app is completely free to download and use.

Yes, Klarna uses security measures to protect your personal and payment information. Payments are processed securely.

Returns are handled directly through the store. Once the return is processed by {{merchant}}, Klarna will adjust your payment plan accordingly. This may include updating upcoming payments or issuing a refund if you’ve already paid. You’ll be notified by Klarna once the adjustment has been made.