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Who can use Klarna?

Who can use Klarna?

To be eligible to use Klarna:

  • Be a resident of the United States or its territories
  • Be at least eighteen years old or of legal age in your state of residence.
  • Have a valid card/bank account.
  • Have full legal capacity to enter into a contract.
  • Accurately provide your true and correct personal details.
  • Be able to receive security verification codes via text message.

Good to know:

  • A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.

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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 © 2005-2026 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.

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