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What is Klarna? Complete Beginner's Guide 2025

Everything you need to know about Klarna - how it works, payment options, fees, and expert tips for first-time users.

šŸ“ Sarah Johnson, CFPĀ® šŸ“… Jan 2025 ā±ļø 12 min read
Credit score
Credit

Does Klarna Affect Your Credit Score?

Learn how Klarna impacts your credit and what you can do to protect your score.

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Comparison
Comparison

Klarna vs Afterpay: Which is Better?

Side-by-side comparison of the two most popular BNPL services.

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Stores
Shopping

500+ Stores That Accept Klarna

Complete directory of retailers where you can use Klarna.

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Ghost Card
Features

Klarna Ghost Card: Use Anywhere

How to use Klarna's virtual card at any store.

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Denied
Help

Klarna Denied? Here's What to Do

10 reasons you might be denied and how to get approved.

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Apply
Guide

How to Apply for Klarna

Step-by-step application guide with expert tips.

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  • Klarna Guides 6
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  • Comparisons 2
  • Shopping Tips 4

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Klarna

What is Klarna?

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Credit Score Impact

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Klarna vs Afterpay

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