🚀 Getting Started
What is Klarna?
Klarna is a Buy Now Pay Later (BNPL) service that lets you split purchases into interest-free installments. Read our complete guide →
How do I apply for Klarna?
Select Klarna at checkout, enter your info, verify via SMS, and get instant approval. See step-by-step guide →
What are the requirements?
You must be 18+, have a US address, valid phone number, email, and payment method (debit/credit card or bank account).
Is Klarna safe?
Yes, Klarna is a licensed bank with 256-bit encryption. Your data is protected and never shared with merchants.
💳 Payment Options
What payment options does Klarna offer?
Pay in 4: 4 interest-free payments. Pay in 30: Full payment in 30 days. Monthly Financing: 6-36 months (interest may apply).
Is there interest?
Pay in 4 and Pay in 30 are always 0% interest. Monthly Financing may have interest depending on the offer.
What if I miss a payment?
Late fees up to $7 per missed payment (capped at 25% of order). Continued missed payments may affect your credit.
Can I pay early?
Yes! Pay off your balance early anytime through the Klarna app with no penalties.
📊 Credit & Approval
Does Klarna affect my credit score?
Pay in 4 uses a soft check (no impact). Monthly Financing may require a hard check. Learn more →
How much can I spend?
Limits vary per purchase. New users typically start with $200-500. Limits increase with good payment history.
Why was I denied?
Common reasons: outstanding balance, too many applications, info mismatch. See our approval guide →
🔧 Troubleshooting
What stores accept Klarna?
500,000+ stores including Amazon, Walmart, Target, Nike, Sephora. See full directory →
What is the Ghost Card?
A virtual Visa card to use Klarna anywhere Visa is accepted. Learn how →
How do I contact Klarna?
Through the Klarna app, website chat, or call 1-844-KLARNA-1 (1-844-552-7621).
How do returns work?
Return per the store's policy. Report in the Klarna app. Payments pause until refund is processed (5-7 days).