Gilbert Rug

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:

1. Utility bills or rent payments
2. Gift cards
3. Governmental bills & fines
4. Medical care
5. Online gaming or gambling
6. Rideshare services
7. Subscription services
8. Drugs or alcohol

You can find more information in our Terms & Conditions .

You can use Klarna’s payment options directly on Apple Pay with your Klarna Card when shopping online or in apps, on iPhone or iPad.

1. When checking out, choose Apple Pay and select your Klarna Card
2. If you don’t have your Klarna Card as default, you can find it by tapping Other Cards & Pay Later Options
3. Tap Pay Later, choose your preferred payment plan and confirm your purchase

Good to know:

If you don’t have a Klarna Card, you can create an in-store card in the app and add it to your Apple Wallet.

• You’ll receive your order confirmation by email.
• You can view and manage all your purchases in the app or on klarna.com.
• In-store purchases are not supported.

To add your Klarna Card to Apple Wallet

1. In the Klarna app, tap Wallet
2. Select your Klarna Card and tap Add to Apple Wallet Fill-in your card details and agree to the T&Cs on the Apple Wallet intro screen
3. Select Done on the confirmation screen

Troubleshooting

• Be sure your device is updated to the latest iOS or iPadOS version.
• Error message Verification Not Available: Wait 24 hours before trying again.
• Error message Card Not Added:

1. Be sure your Klarna Card is not temporarily frozen or blocked
2. Check you entered the card details correctly

My order using Klarna on Apple Pay didn’t go through The reason is displayed in a pop-up message, which appears at checkout, if you are not approved to pay with Klarna. Be sure to follow the instructions in the pop-up message before attempting to make another purchase.

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.

To see your estimated amount to spend:

1. Go to Purchase power
2. Follow the prompts to check the estimated amount you can spend on your next purchase Your Purchase Power is an estimated amount based on factors such as your payment history with Klarna and your outstanding balance. The amount is not a guarantee and may change based on the store and payment option you choose.

I want to increase my Purchase power A good payment history, always paying on time and making payments towards your outstanding purchases can increase your Purchase power over time. Our Customer Service can’t accept requests for spending limit increases.

My Purchase power is £0 If you’ve spent above your purchase power, then your purchase power will be £0. Making payments towards your outstanding purchases can increase your Purchase power.

My Purchase power is not available If you have overdue or failed payments, then your Purchase Power will not be available. To increase your chance of approval to shop with Klarna, and view your Purchase power in the app, settle your failed or overdue payments

For Klarna Financing We will confirm your credit limit by email you once you have signed your Klarna Account agreement in the checkout. Your credit limit is also shown on each monthly statement or in the app.

Yes, we perform a credit check. This can affect your credit score depending on which payment option you choose in the checkout.

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. Depending on the payment option you choose, we may perform different types of searches and checks to assess your financial standing:

A soft credit check is performed when you apply for our Buy Now Pay Later options which will not affect your credit score. However, as a responsible lender, we share data about your payments to credit reference agencies which are visible to other lenders. A hard credit check will be conducted when applying for Financing – this may affect your credit score.

Our credit checks are performed by the credit reference agencies Transunion & Experian. If you have questions regarding their services, your credit score, or the data provided 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.

With the Klarna app, you'll be able to find exclusive deals only available to Klarna users, and receive price drop notifications to never miss a good deal.

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