Klarna FAQ
Pay in 4
What is Klarna?
Klarna is the smoothest & safest way to get what you want today, and pay over time.
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Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Once your items are in your cart, just choose Klarna at checkout. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards.
Who can use Klarna?
To be eligible to use Klarna, you must:
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- Have a valid card/bank account.
- Have a positive credit history.
- Be able to receive verification codes via text.
Which payment methods are accepted?
Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted.
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Klarna is currently available nationwide, except for New Mexico, Hawaii and US Territories (excluding Puerto Rico).
If there’s an issue with my order, do I still need to pay for it?
No, you do not need to pay for items that you did not order, are faulty, or broken. Please contact the store to let them know you received the wrong order and follow their instructions. Then, let Klarna know which items you have an issue with:
- In the Klarna app, go to Orders and select the order you want to cancel.
- Tap Report a problem or More and then Report a problem
- Select the option that suits you best and follow the instruction to pause your payments.
By doing this, your payment plan will be paused until you’ve resolved the issue with the store. You can check the status of your reported problem on the details page of your purchase in the Klarna app.
What happens if I need to make a return?
Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return:
- In the Klarna app, go to Orders.
- Select the purchase, or the items, you wish to return.
- Tap Report return.
Heads up, if you later wish to return more items than you initially reported in the app, be sure to let the store know so your order details can be updated.
Has Klarna received my payment?
Klarna will send an email runningation for all completed payments. You can also call or live chat with Klarna’s customer service agents 24/7 to running payment.
Can I pay before the due date?
Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”
What happens if I don’t pay for my order?
Klarna will email you if your payment is unsuccessful and try one or more times to collect it. If they can’t collect it, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
Your credit score will not be impacted when you use Klarna payment products.
We're always here to help!
Don’t see your question here? Check out Klarna’s full FAQ page.
You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.
Fair Financing
What is Financing and how does it work?
Financing allows you to spread the cost of your purchase for up to 36 months.
How to finance your purchase:
- Select the Financing option in the store’s checkout
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- Follow the steps to complete the application
- Get an instant approval decision
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You’ll receive an email with your payment plan when the store ships your order.
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Will this require a credit check, and will it impact my credit score?
We do not always perform a credit check on you, nevertheless, as a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. 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.
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- Signing up to use Klarna
- Downloading the app
We will perform a soft credit check when:
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- Deciding to Pay in 30 days
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Read more about how these credit checks impact your credit score.
Our third party credit checks are performed by Transunion. 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 Klarna’s Terms & Conditions.
Which payment methods are accepted?
Klarna currently accepts debit cards as a form of payment when checking out with Financing. Subsequent payments (including autopay) can be made via checking account.
Can I pay off my balance early?
Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna app.
Is shopping with Klarna safe?
The highest security standards are used to protect your data and personal information.
- All payment information is processed securely
- No details are transferred to or held by the store
- All transactions take place via secured connections following strict security protocols
- You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.
Where is Klarna Financing available?
Klarna Financing is currently available nationwide, except for online and in-store shoppers residing in West Virginia and Massachusetts. Klarna is available in Puerto Rico, but not in other US Territories.
Pay in 30 days
What is Pay in 30 days and how does it work?
Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees. In the Klarna app, you’ll have the option to pay off the balance earlier or extend the due date to a later date, if needed.
If your order is eligible for ‘Pay in 30 days’, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable in the Klarna App.
Good to know: There is no fee to use Pay in 30 days.
Will this require a credit check, and will it impact my credit score?
Klarna may perform a soft credit check when you apply for Pay in 30 days. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Which payment methods are accepted?
Klarna currently accepts debit and credit cards as a form of payment when checking out with Pay in 30 days.
Can I pay off my order early?
Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna App.
Is shopping with Klarna safe?
The highest security standards are used to protect your data and personal information.
- All payment information is processed securely
- No details are transferred to or held by the store
- All transactions take place via secured connections following strict security protocols
- You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.
Where is Pay in 30 days available?
Pay in 30 days is available on select Klarna partner sites, to customers from all US states except Montana, New Mexico, and Hawaii. Klarna Pay in 30 days is available in Puerto Rico and not in other US Territories.
Pay now
Where is Pay now available?
Pay now is available to customers from all US states and Puerto Rico. Klarna Pay now is not available in other US Territories.