Does Klarna affect my credit score?

It depends on the payment method or service you choose because we perform different types of searches to check your financial standing.

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

A hard credit check is performed, which is reported to the credit bureaus and will show up as an inquiry on your credit report, when:

Our Financing option is offered in partnership with FDIC member WebBank. Credit checks are performed by Transunion and Experian.

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