Does Klarna perform a credit check?

Klarna may perform a soft credit check as part of our application process. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

However, if you’re interested in one of our financing options a full credit check might be performed during which Klarna will contact the credit bureaus. This will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.