How can I get approved to pay with Klarna?

Follow the instructions in the pop-up message which appeared at checkout before attempting to make another purchase, if you are not approved to pay with Klarna.

Our automated approval decisions are based on the available customer data, primarily shared by credit bureaus, including information such as if you’ve paid off previous credits on time, or if you have too much outstanding debt elsewhere.

I’ve used Klarna before but have been declined

Each purchase attempt generates a new automated approval decision, which is based on current credit data, regardless of past approvals or rejections. A rejection does not negatively impact your credit score.

Good to know: Our customer service agents do not have additional information about the automated decline reason, based on credit bureau r decision data, and are not able to change or influence the decision.

Can I make multiple purchases with Klarna?

Yes. There is no set limit for how many purchases you can have with Klarna.

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Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards in the Klarna App, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.