Does Klarna affect my credit score?

Depending on the payment method or service you choose, we perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.

Klarna performs a soft credit check which does not affect your credit score and will not be visible to other lenders when:

• Deciding to ‘Pay in 4 interest-free installments’
• Preferring to ‘Pay in 30 days’
• Applying for Monthly Financing.

Monthly financing through a Klarna credit account is issued by WebBank, a member of the FDIC.