1. What is Klarna?

Klarna is a payment service that allows you to shop now and pay later. With flexible payment options, Klarna makes it easy to split your purchase into smaller, more manageable payments or delay your payment until a later date—all with no hidden fees when payments are made on time.

2. How does Klarna work?

At checkout, select Klarna as your payment option. Depending on your eligibility, you can choose one of the following payment methods:

• Pay Later: Receive your order now and pay in full up to 30 days later.

• Pay in Instalments: Split your total into 3 or more equal interest-free payments.

• Pay Now: Make an instant, secure payment for your order.

Once you’ve selected your preferred payment option, Klarna will guide you through the process.

3. Is Klarna safe to use?

Yes, Klarna is a trusted payment provider that uses advanced security measures to protect your personal and financial information. Klarna is compliant with industry-leading security standards, so you can shop with peace of mind.

4. Are there any fees for using Klarna?

There are no fees when payments are made on time. However, if you miss a payment, Klarna may charge a late fee. Be sure to check your payment schedule to avoid any additional costs.

5. How do I manage my payments with Klarna?

You can easily manage your payments through the Klarna app or by logging into your Klarna account online. The app lets you track purchases, set up reminders, and view payment schedules, so you always stay on top of your finances.

6. What happens if I return an item purchased with Klarna?

If you return an item, Klarna will adjust your payment plan accordingly. For example:

• If you’ve made any payments, Klarna will refund the amount back to your original payment method.

• If you haven’t paid yet, the total amount due will be reduced or cancelled.

The refund process may take a few business days, depending on your bank and Klarna’s policies.

7. Am I eligible to use Klarna?

Eligibility for Klarna’s payment options is based on factors such as your financial history, the purchase amount, and the retailer’s policies. Klarna performs a soft credit check (which doesn’t affect your credit score) to determine whether you qualify.

8. How do I contact Klarna if I have questions about my payment?

If you have any questions or issues with your Klarna payments, you can contact Klarna’s customer service team directly through the Klarna app or on their website. They’re always happy to help!

9. Does using Klarna affect my credit score?

Klarna performs a soft credit check when you use their services, which does not impact your credit score. However, if you miss payments, this could be reported to credit agencies, which might affect your score.

10. Can I use Klarna for international purchases?

Klarna is available in multiple countries, but its availability depends on the retailer and your location. Be sure to check if Klarna is supported in your region when shopping.