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 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 and eligibility criteria like the customer’s age and purchase amount.
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 is no interest or upfront fees with Pay later. However, late-payment may result in a late fee.
Slice it is dependent on a full credit check, a customer’s previous credit history, an affordability assessment, and several other factors. This credit check can influence a consumer’s credit rating.
There are several US organizations that provide help and advice for customers worried about money management:
National Debt Relief
National Foundation for Credit Counseling
FTC Consumer Information