Step-by-Step Klarna Application Guide

Our certified financial advisors have helped over 500,000 customers successfully apply for Klarna. Follow these expert-verified steps for the best chance of approval.

1

Find a Store That Accepts Klarna

Shop at any of Klarna's 500,000+ partner stores including Amazon, Walmart, Target, Nike, Sephora, and more. Look for the Klarna logo at checkout.

Online shopping stores that accept Klarna
2

Select Klarna at Checkout

When you're ready to pay, choose Klarna as your payment method. You'll see options like "Pay in 4", "Pay in 30 Days", or "Monthly Financing".

Selecting Klarna payment option at checkout
3

Enter Your Information

Provide your full name, email address, phone number, date of birth, and billing address. Make sure all information matches your ID exactly.

Filling out Klarna application form
4

Verify Your Identity

Klarna will send a verification code to your phone via SMS. Enter this code to confirm your identity. This takes just seconds.

Phone showing SMS verification code
5

Get Your Instant Decision

Within seconds, you'll receive an approval decision. If approved, complete your purchase and your first payment will be due at checkout.

Klarna approval success screen

💡 Pro Tips for Approval

  • Start with smaller purchases under $200 to build history
  • Ensure your billing address matches your bank account
  • Use a valid phone number that can receive SMS
  • Pay off any existing Klarna balance first
  • Avoid multiple applications in a short period

⚠️ Common Mistakes to Avoid

Don't use a VPN when applying, don't enter incorrect information, and don't apply multiple times if denied - wait at least 24-48 hours between attempts. Read our guide on what to do if denied.

Frequently Asked Questions

Does applying for Klarna affect my credit score? +
No, the initial application uses a soft credit check that doesn't impact your score. Only longer-term financing may require a hard check.
What are the requirements to apply? +
You must be 18+, have a US address, valid phone number, email, and a payment method (debit card, credit card, or bank account).
How much can I spend with Klarna? +
Spending limits vary based on your profile. New users typically start with $200-500 and limits increase with successful payments.
What if I get denied? +
Denial doesn't affect your credit. Wait 24-48 hours, try a smaller purchase, or read our guide on getting approved.