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Responsible lending

Klarna is committed to being a fair and responsible lender, with transparent communications to consumers. Our products are about choice, and offer customers the option to defer payment if they wish – ideal for one-off or unplanned purchases.

We run background checks on customers wishing to use our products, and only offer credit to those who are eligible. This allows us to assess your ability to manage repayments under our credit agreement.

Pay later is dependent on a soft credit check, a customer’s previous credit history, and the customer’s age, along with several other factors, including at what time they place their order.

A soft credit check does not affect your credit score/rating and is strictly between you and us; this is not visible to other lenders.

There are no interest fees, surcharges or late payment penalties with Pay later in the UK. However, non-payment will affect your credit score.

Slice it is dependent on a full credit check, a customer’s previous credit history, an affordability assessment, their age and several other factors, including at what time they placed their order. This credit check can influence a consumer’s credit rating.

There are several UK organisations that provide help and advice for customers worried about money management:

Citizens’ Advice Bureau
National Debt Line
Consumer Credit Counselling Service
Money Advice Trust
Money Advice Service

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By submitting information, I agree to Klarna's handling of personal data

By using the application site and providing information you approve that Klarna Bank AB (publ) electronically processes personal data such as your contact information in order to process the application, provide its services, administer the customer relationship and for commercial and marketing purposes on behalf of Klarna Bank AB (publ) or other companies within the same group of companies or trusted partners. The data may also be used for statistical analysis and business development purposes, during fraud investigations and to comply with applicable laws and regulations. Klarna may disclose the information to other companies within the Klarna group, which may also use the information for the purposes described herein. The data may be processed by data processors on behalf of Klarna and transferred outside the EU/EEA area to states that do not have the same level of protection of personal data. Klarna is committed to protecting personal data and will put in place adequate safeguards in order to protect the data. Registered persons have upon written request the right of access to the data related to them. They also have the right to rectify such data and to opt out from receiving further marketing communication. Further information may be obtained by contacting Klarna at dataprotectionofficer@klarna.com.