Beanbagbazaar

To be eligible to use Klarna you must:

• Be a resident of the United States or its territories
• Be at least 18
• Have a valid bank card/bank account
• Have a positive credit history
• Be able to receive verification codes via text

You can use Klarna at partnering physical shops and at any prepaid card-accepting online store in the UK.

Explore the stores and shop with us directly from their websites or use the app to shop at any of your favourite stores and pay with Klarna.

Can I use Klarna to buy anything?

Almost! But there are some exceptions:

1. Utility bills or rent payments
2. Gift cards
3. Governmental bills & fines
4. Medical care
5. Online gaming or gambling
6. Rideshare services
7. Subscription services
8. Drugs or alcohol

You can find more information in our Terms & Conditions .

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna.

To see your estimated amount to spend:

1. Go to Purchase power
2. Follow the prompts to check the estimated amount you can spend on your next purchase Your Purchase Power is an estimated amount based on factors such as your payment history with Klarna and your outstanding balance. The amount is not a guarantee and may change based on the store and payment option you choose.

I want to increase my Purchase power A good payment history, always paying on time and making payments towards your outstanding purchases can increase your Purchase power over time. Our Customer Service can’t accept requests for spending limit increases.

My Purchase power is £0 If you’ve spent above your purchase power, then your purchase power will be £0. Making payments towards your outstanding purchases can increase your Purchase power.

My Purchase power is not available If you have overdue or failed payments, then your Purchase Power will not be available. To increase your chance of approval to shop with Klarna, and view your Purchase power in the app, settle your failed or overdue payments

For Klarna Financing We will confirm your credit limit by email you once you have signed your Klarna Account agreement in the checkout. Your credit limit is also shown on each monthly statement or in the app.

Yes, we perform a credit check. This can affect your credit score depending on which payment option you choose in the checkout.

As a responsible lender, we want to ensure we’re helping you make the right financial decisions for your circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report. Depending on the payment option you choose, we may perform different types of searches and checks to assess your financial standing:

A soft credit check is performed when you apply for our Buy Now Pay Later options which will not affect your credit score. However, as a responsible lender, we share data about your payments to credit reference agencies which are visible to other lenders. A hard credit check will be conducted when applying for Financing – this may affect your credit score.

Our credit checks are performed by the credit reference agencies Transunion & Experian. If you have questions regarding their services, your credit score, or the data provided as part of a credit check, contact the credit reference agencies directly. Credit checks are performed in accordance with Klarna’s Terms & Conditions.

How using Klarna will affect your credit score Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.

Making repayments on time consistently will help build a positive history when using our payment options.

Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.