Who can use Klarna?
To be eligible to use the Klarna Shopping Service you must:
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Be a resident of the United States or its territories
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Be at least eighteen years old or of legal age in your state of residence.
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Have a valid card/bank account.
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Have full legal capacity to enter into a contract.
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Accurately provide your true and correct personal details.
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Be able to receive security verification codes via text message.
Good to know:
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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 conditionsfor more information.
What are flexible payments?
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free installments, to pay off the balance in 30 days, or to spread costs over an extended period. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Are there any interest charges or fees for using Klarna?
Pay in full, Pay in 30 days, and Pay in 4 options are interest-free when you pay on time. If you choose Pay over time or miss a payment, interest or fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment.
Can I modify or reschedule my payment plan?
In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status.
How do I check my Klarna payment schedule?
You can view your payment schedule anytime through the Klarna app or website. Your account shows orders, due dates, and amounts, so you can stay on top of your payments.