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Customer FAQs

Do you have a query about your Klarna Loan?

Please note that effective 8 February 2024, all active Klarna Loans have been transferred from Klarna to Jefferson Capital International Acquisition. You will have received a letter from CARS/CRS in May 2024 if this applies to your loan agreement. More information regarding the transfer and what it means for you can be found below:

Transfer FAQs

From 8 February 2024, all active loans will be transferred from Klarna to Jefferson Capital International Acquisition. This does not affect your rights, obligations or liabilities under your existing loan account. You will be notified via a letter from CARS or CRS if this applies to your loan agreement(s).


If you receive a letter from CARS or CRS notifying you that this transfer applies to you, then the remaining balance outstanding on your loan remains the same but is now owed to Jefferson Capital, and collected by Creditlink Account Recovery Service (CARS) or Collection Recovery Services (CRS) on behalf of Jefferson Capital. Your existing payments are still due but will be redirected to CARS or CRS.

CARS and CRS are authorised and regulated by the Financial Conduct Authority and act on behalf of Jefferson Capital.

If you receive a letter from CARS or CRS notifying you that the transfer applies to your loan agreeement(s), then up until 14 June 2024, you can contact Klarna customer services at 0333 321 6080, Monday to Friday 9:00 am to 5:30 pm (excluding bank holidays). From 12 February 2024, you will need to contact CARS or CRS. Further information will be sent to you in writing by JCIA, who can be contacted at the following contact information: 

Phone: 0333 136 3349

Email:

Post: PO Box 6520

Basingstoke

Hampshire

RG21 4UY


If you are struggling to make a payment or experiencing financial hardship there are a number of recommended not-for-profit organisations offering free, confidential and impartial advice. 

  • – Guidance on where to get free debt advice across the UK. The , run by the UK Government’s Money and Pension Service, also offers free, impartial advice on managing your money, dealing with debt and avoiding financial scams. For Scotland, provides a similar service.

  • –  For free and impartial consumer advice on debt and other topics, visit your local Citizens Advice or visit the website.

  • – Member centres offer debt advice, including specialist advice for minority communities and people with disabilities. 

  • – Select the link and search your postcode for free debt advice near you and then call 0800 328 0006 for further support.

  • – For free guides, factsheets, tools and debt advice in England, Wales or Scotland, select the link or call 0808 808 4000.

– For debt advice throughout the UK select the link or call 0800 138 1111.

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.