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.

We will perform a credit check when that will not affect your credit score when:

• Deciding to ‘Pay in 4 interest-free installments’
• Preferring to ‘Pay in 30 days’

For the above mentioned, we will perform a credit check that will not be visible to other lenders and therefore won’t impact your credit score in any way.

Using Klarna might affect your credit score when:

• Applying for one of our Financing options.
• Taking out a standard payment holiday for our Financing payment 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.