Does Klarna perform a credit check and will this affect my credit score?

Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.

When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.

We will not perform a credit check when:

  • Signing up to use Klarna

  • Downloading the

We will perform a soft credit check when you:

Soft credit checks do not affect your credit score and will not be visible to other lenders.

Good to know: If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods. Read more about

.

Our third party credit checks are performed by

. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.

These checks are performed in accordance with

.

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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 © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, 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.