● 70,000+ merchants globally
● 60 million+ existing customers
● Available in 18 countries
Frequently Asked Questions:
Q: What is Klarna?
A: Klarna is a global payment solutions company that provides customers with a simpler and seamless buying experience and smoooth payment solutions. We work with over 1000,000 merchants and 60 million customers globally. Klarna provides an affordable and highly flexible financing option which is offered at our checkout. This open end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time. Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience.
Q: How do I pay for my purchase over time?
A: It’s simple! Just select “Klarna” at checkout to proceed to the application where you will enter simple, top-of-mind information to apply. You will know in seconds which payments plan you are approved for. Once completed, the merchant will ship your order and Klarna will send you an email regarding upcoming payments. Payments are managed here on Klarna.com.
Q. How does financing with Klarna work?
A. It’s simple! Shop at our store that uses Klarna, and choose Slice it to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna
Q. Will this affect my credit score?
A. Slice it in 4 and Pay later will not affect your credit score.Slice it applications will take credit score and credit history into consideration when determining if the application is approved.
Q: What are your APR rates?
A: Our APR rates vary depending on your purchase amount. You will see the promotional APR and time period that your purchase qualifies for, and the total you will pay when you select Klarna as your payment option at checkout. You will review this before you complete your purchase.
Q: How much will I have to pay for my purchase?
A: For No Interest if Paid in Full purchases, you only pay your order total if it is fully paid within 6 or 12 months depending on your plan - no interest added! Keep in mind, you still need to make at least your minimum monthly payment as noted on the statement Klarna will email to you. If your No Interest if Paid in Full balance is not paid for within the promotional period, interest will be charged to your account from the transaction posting date at 19.99% APR. For purchases that qualify for monthly planned payments, the monthly and total payment amounts are shown before you complete checkout along with the applicable promotional APR. Your monthly Klarna statement will remind you of your payment amount and due date.*Interest will be charged to your account from the transaction posting date at 19.99% APR if the purchase balance is not paid in full by the end of the applicable 6 or 12 months promo period. Minimum monthly payment required. Additional payments may be required to pay off purchase before promotion expires.
*Promotional offers are for qualifying customers. Non-promotional purchases have a standard APR of 19.99% and are subject to a potential $2 monthly minimum interest charge.
Q. Is there a fee to use Pay later?
A. There is no fee to use Pay later. If your invoice is not paid by the due date, you may be subject to a late fee.