WHAT IS THE CATCH?

Buy now, pay later is an alternative to credit and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 4 smaller payments with Klarna, you’ll never pay any interest. Ever.


TRY BEFORE YOU BUY

Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment 30 days after purchase at no added cost. Report returns directly in their app and only pay for the items that you keep.


HOW CAN I VIEW MY BILL?

With an instant credit decision, you can complete your purchase directly with full transparency. It’s the simplest one-time sign-up process you’ve ever used. Get a full overview of your payments online or in the Klarna app.


DOES KLARNA IMPACT MY CREDIT SCORE?

When you use Klarna to split your purchase into 4 interest-free payments, they run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time.

There are two kinds of credit checks—hard and soft. Soft credit checks, the kind they’ll run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.


HOW MANY USERS DOES KLARNA HAVE?

Klarna has 13 million shoppers in the UK alone, and 90 million globally across 19 markets.