What is Klarna
Help
Customer login
Continue in browserBusiness login
Log in to manage your orders, payout reports, store statistics, and general settings.
Shop and pay the Klarna way
Join 150 million customers and choose flexible payments, lightning-fast checkout and secure shopping – at 20,000+ partner stores.
Get the free Klarna app on your phone:
Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
The smart way to shop
Shop safely
Shop with peace of mind knowing that Klarna’s buyer and fraud protection has you covered. *
Hassle-free returns
Not quite right? Report returns with a tap and only pay for what you keep.
Delivery tracking
Get live tracking updates for all your deliveries – from store to door.
* Exclusions apply. Learn more at https://www.klarna.com/uk/buyer-protection-description/.
Klarna: what you need to know
Klarna helps you make smarter spending choices. From handy payment tools to credit checks, here's what you need to know.
Klarna goes wherever you go
Sign up now to shop with Klarna – via our app, browser extension, or in-store with the Klarna Card. *
* Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
How does Klarna work?
Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Choose your payment option
You can Pay now, Pay in 3 interest-free payments or Pay in 30 days.*
Manage everything in one place
Make any remaining payments in the app. We’ll keep you on track with reminders and updates.
* Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions.
Available at all your favourite shops, online and in-store
Discover all the stores where you can safely shop and pay with Klarna.
Klarna Money Manager
Stay on top of your budget
Set a personal limit on your Klarna spending to help you stay within your budget. See what you have, what you’ve spent, and what you’ve saved – so nothing gets past you.
Shopping, hacked
Klarna makes it easier than ever to save on the stuff you love – so you know you’re always getting the best deal.
Loyalty cards
Easily store all your loyalty cards in the app and access them in seconds.
Browser extension
Add the Klarna extension to shop now and pay later from your browser. We’ll apply the best deals and coupons for you at checkout.
Partner shops
Browse our network of over 20,000 partner stores where you can safely shop and pay with Klarna.
Discover what else we do
Sustainability
Learn more about our conscious shopping tools and read our tips on how to extend the life of your items.
Card
Take Klarna's ways to pay everywhere Visa is accepted. Pay online, abroad, in real life—manage your purchases in the Klarna app. *
* Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
Does Klarna impact my credit score?
Depending on the payment method or service you choose, we may perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.
Using the below Klarna payment options will not affect your credit score. However, existing, late and unpaid balances, and payment holidays, are visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.
Choosing to ‘Pay in 3 instalments’
Deciding to ‘Pay in 30 days’
Creating a ‘One-time card’
Using Klarna might affect your credit score when:
Applying for one of our Financing options
If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.
When you choose the Financing option you will be asked to provide or confirm some details about your financial situation. We’ll use this information to decide whether we think you are able to meet your repayment obligations.
To make a purchase with Klarna you need to provide:
Your phone number
Email Address
Current billing address
A valid debit/credit card
We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.
All information will be sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.
Good to know: If you change your email address after you have placed an order, please contact Customer Service and we will help you update your information.
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
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.