What happens if I can’t pay on time?

If we are unable to collect the payment on the scheduled date, we will try again. If that payment attempt also fails the missed payment will be added to the amount of the next scheduled payment. Late fees may also apply. Please check the terms and conditions of your order for details.

Need a few extra days?

You can extend your next payment date once per order:

1. 1.
   Go to Payments
2. 2.
   Select the order you would like to pay later
3. 3.
   Tap Manage payments and then tap Extend due date

Note, it is not possible to extend the due date for purchases placed with Pay over time.

Late fees: what to expect

Late fees may apply if your payment isn't collected after multiple attempts:

• Pay in 4: A late fee may be charged per missed payment.
• Pay in 30 Days: No late fees currently apply, but please check your individual terms.
• Pay over time: Late fees and interest may apply as outlined in your credit agreement.

Good to know:

• For Pay over time loans, Klarna shares information about your loan and repayment activity with the credit bureaus, TransUnion and Experian, including on-time payments, late payments, and missed payments. At this time, this information doesn't impact your credit score and is only visible to you. Other lenders cannot view your Pay over time payment history.
• If you miss a payment, any outstanding balance may be sent to collections, and you could be restricted from using Klarna in the future.
• If you are struggling to make a payment or experiencing unexpected financial hardship, contact us - we are here to help.
• If you don't think you're quite at the stage of needing extra support but want to explore alternative repayment options, you can Report a problem in the app and navigate to the Financial support section.