Why is my debt in collection?

If your payment is not registered by the last reminder due date, the debt is transferred to debt collection.

Can I still pay Klarna directly?

Yes, you are welcome to pay either directly to Klarna or the collection agency. Your outstanding balance will be updated in any case.

To settle your balance through Klarna:

  1. Go to

  2. Choose the purchase you would like to pay

  3. Tap Payment options and follow the instructions

Any questions regarding fees added for the collection of debt should be directed to the debt collection agency. You can find contact information for the collection agency printed on your debt collection letter.

Good to know: If a payment is late, you will not be able to continue using Klarna until you’ve paid off your debt. Late payments might also be reported to the credit bureaus.

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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.