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

If you’re interested in one of our financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.

If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow the retailer's return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and we’ll pause your statement. As soon as the retailer has processed your return, we will send an adjusted invoice.

You do not need to pay for goods that are received damaged, broken, or defective. Follow the retailer’s dispute instructions and “report a problem” in your Klarna account to pause your statement until the issue is resolved. As soon as the retailer has registered your return, the refund will be processed within 5-7 business days.

You do not need to pay the statement until you have received your order. Contact the retailer for a delivery update, log into your Klarna account, and “report a problem” to pause your statement until you’ve received your order.

If your statement does not match your order details, please contact the retailer directly to correct your statement. Log into your Klarna account and “report a problem” to pause your statement until the details have been corrected.

Click here to know more about the Klarna Privacy Policy.