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To be eligible to use Klarna you must:

• Be a resident of the United States or its territories.
• Be at least eighteen years old or of legal age in your state of residence.
• Have full legal capacity to enter into a contract.
• Accurately provide your true and correct personal details.
• Be able to receive security verification codes via text message.

You can use Klarna almost anywhere:

• Choose Klarna in the checkout of partnered stores - just look for the pink badge.
• Use Klarna at stores that accept Apple Pay
• Use our one-time card service at stores that accept Visa.

Explore our store directory to see where you can use Klarna.

Can I use Klarna to buy anything?

Almost! But there are some exceptions:

• Utility bill or rent payments
• Gift cards
• Governmental bills & fines
• Medical care
• Online gaming or gambling
• Drugs or alcohol

You can find more information in our Terms & Conditions.

The Klarna Card is a flexible payment option that lets you pay directly from your Klarna balance like a debit card or pay later, giving you more control over your finances.

To get the Klarna Card, download the Klarna app and go to the "Wallet" tab to apply. You’ll be able to pick your card color and activate your virtual card in about 60 seconds. If approved, your virtual card is ready to use right away. Add it to your digital wallet and shop anywhere Visa is accepted.

A paid Klarna membership plan is required if you’d like a physical card. Applying for the Klarna Card won’t affect your credit score. Charges may apply when using pay later plans or enrolling in a paid membership.

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:

• Log in here
• Navigate to your profile to see your purchase power

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.

Good to know: If you are using the Shopping extension on your browser you can see your estimated purchase power when creating one-time cards.

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, settle your failed or overdue payments.

Is purchase power and pre-qualification different?

• Purchase power may change based on the store and payment option you choose.
• Prequalification is store-specific and evaluates how much you can spend with different payment options, including Financing.
• You can make up to 3 prequalification attempts at each store within 48 hours.

Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.

When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.

We will not perform a credit check when:

• Signing up to use Klarna
• Downloading the app

We will perform a soft credit check when you:

• Use Pay in 4
• Use Pay in 30 days
• Use Monthly financing
• Apply for a Klarna Card

Soft credit checks do not affect your credit score and will not be visible to other lenders.

Good to know:

• If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods. Read more about how these credit checks impact your credit score.
• Using the prequalification feature will not affect your credit score in any way, whatever the outcome.

Our third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.

These checks are performed in accordance with Klarna’s Terms & Conditions.

Enhance your shopping experience with the Klarna app and earn up to 10% cashback on purchases made through the app. Plus, find exclusive deals only available to Klarna users.

Yes, the Klarna app is completely free to download and use.