Terms and Conditions

For all users

• Klarna Shopping Service

• Klarna’s Privacy Notice

Pay with Klarna

• Pay Later in 30 days

• Pay in 3 instalments

• Klarna Credit Card (example agreement)

• One-time Card Shopping Service

• Pay in full by Card

• Klarna Open Banking

• Pay in 3 Loan

Financing

• Fixed-term loan (example agreement)

Klarna balance & Klarna Card

• Terms and Conditions - Klarna balance and Klarna Card

Purchase and delivery information

• Auto-Track

Memberships

• Terms and conditions for Klarna memberships

• Membership rewards summary