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:

Deciding to Pay in 4
Preferring to Pay in 30 days
Use Monthly financing

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

Does Klarna perform a credit check?

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Klarna is available around the world with a variable offering, choose one that suits you best.

Monthly financing through Klarna and One time card bi-weekly payments with a service fee issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license. Shop anywhere online in the Klarna App. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215.

Does Klarna affect my credit score?

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