Efficient Ways to Use Klarna

A Glance At Klarna

At Klarna, our mission is to transform the shopping journey by revolutionizing every aspect, from browsing to ownership. We are committed to offering you unparalleled convenience, exciting perks, and endless inspiration.

Originating in Stockholm, Sweden, Klarna has rapidly emerged as one of Europe's most rapidly expanding enterprises, establishing itself as a prominent alternative payment solution provider. Our diverse workforce of over 6,000 professionals hails from more than 100 different nationalities, reflecting our global reach and inclusivity. With pride, we serve a vast community of 150 million active consumers and have forged partnerships with over 450,000 retail merchants, leading the way in alternative payment services.

For more information, you can visit our official website: https://www.klarna.com/international/about-us/

Why Choose Klarna?

Extend your payment flexibility with Klarna. We've joined forces with Klarna to enhance your shopping experience.

It's seamless and uncomplicated. Klarna empowers you to elevate your shopping experience. Opting for Klarna at checkout grants you the opportunity to shop now and defer payment for your purchase. It's shopping made perfect – effortless, secure, and enjoyable.

The ultimate shopping solution. Discover great deals on your favorite items, assess your purchase power, track all your transactions in one convenient place, extend payment due dates, settle open balances, and much more with the Klarna app. You can also access your Klarna account by logging in at https://app.klarna.com/login. Should you require any assistance, Klarna's dedicated Customer Service is readily available to help.

Safety and security are paramount. With Klarna, your information is safeguarded using the latest security measures to prevent unauthorized purchases and ensure a secure shopping environment.

Who Are Eligible to Use Klarna?

To utilize Klarna's services, you must meet the following requirements:

  1. Reside in the United States or its territories.
  2. Be at least 18 years old.
  3. Possess a valid card or bank account.
  4. Maintain a positive credit history.
  5. Be capable of receiving verification codes via text messages.

Here's how to use Klarna:

  1. Add your desired item(s) to the shopping cart and proceed to checkout.

  2. At checkout, opt for Klarna as your payment method and pick your preferred payment option.

  3. Easily keep track of your orders and handle payments conveniently through the Klarna app.

Pay Now

It allows you to make an immediate and complete payment using the familiar and smooth payment process provided by Klarna. It supports both debit and credit cards as acceptable forms of payment. Pay Now is accessible to customers across all states in the United States; however, it is not available in US Territories.

Pay in 4

With Pay in 4, you have the option to divide your purchase into four equal, interest-free payments, spaced every two weeks. When you have the items you want in your cart, simply select Klarna as your payment option during checkout. The initial payment will be processed when your order is shipped, using your credit card, debit card, or bank account. Subsequently, the remaining three payments will be automatically charged to your chosen payment method every two weeks. As long as you make payments on time, there are no additional interest charges or fees involved. It's a convenient and hassle-free way to manage your payments.

For Financing Issues

Financing enables you to distribute the expenses of your purchase over a period of up to 36 months.

Here's how to finance your purchase:

  1. While checking out at the store, opt for the Financing option.
  2. Select your desired timeline and the corresponding interest rate.
  3. Follow the provided steps to complete the application process.
  4. Receive an immediate approval decision for your financing request.
  5. Finalize your purchase.
  6. Once the store ships your order, you will receive an email containing your personalized payment plan.

Please be aware that applying for our Financing options involves a credit check.

Pay in 30 Days

Klarna's 'Pay in 30 days' option allows you to receive your order upfront and gives you the flexibility to pay within 30 days without any interest or additional fees. In the Klarna app, you have the freedom to settle the balance earlier or extend the due date if necessary.

When making a purchase, if your order qualifies for 'Pay in 30 days', you will see this option during checkout. After the store ships your order, Klarna will send you an email detailing your payment schedule. All your purchases and payments can be conveniently managed within the Klarna App.

It's important to note that there are no upfront payments required, and as long as you pay on time, you won't incur any interest or fees. The process is hassle-free and provides you with more control over your payment timeline.

Here are some common questions about Klarna:

If there's an issue with my order, do I still need to pay for it?

No, you don't need to pay for items that you didn't order, are faulty, or broken. Contact the store and let them know about the problem. You can also report the issue in the Klarna app to pause your payments until it's resolved.

What happens if I need to make a return?

Follow the store's return instructions and report the return in the Klarna app. If you later need to return more items than initially reported, inform the store to update your order details.

Has Klarna received my payment?

Klarna will send an email confirmation for completed payments. You can also confirm payment by contacting Klarna's customer service.

What happens if I don’t pay for my order?

Klarna will notify you if your payment is unsuccessful and will attempt to collect it. Unsuccessful payments will be added to your next payment with a late fee, not exceeding $7.00 or 25% of your order value.

Will this require a credit check and impact my credit score?

Klarna may perform a soft credit check when you decide to Pay in 4, Pay in 30 days, or apply for Financing. It's done to understand your financial behavior and creditworthiness.

Is shopping with Klarna safe?

Yes, Klarna uses the highest security standards to protect your data and payment information. Your details are securely processed, and no information is transferred to or held by the store.

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 can I find more answers?

Visit Klarna's FAQ page or reach out to their customer service through the website or Klarna app for further assistance.