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’

Using Klarna might affect your credit score when:

• Applying for one of our Financing options.

If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.