When you choose to pay in 4 interest-free instalments with Klarna, we will perform a credit check for the first attempt to fulfil the purchase. If you are successful in completing the purchase we will not attempt another credit check for 12 months. When you attempt another purchase after the 12 months or if you change your address in our app or website, we will perform another credit check. This credit check will be visible on your credit report but does not directly affect your credit score. It may still affect your ability to be eligible for credit at other parties, as they can see the credit inquiry on your report and may use it as a basis for their final decision. As a responsible lender, we do not wish to grant credit to customers who may have difficulties in fulfilling payment. It is for this reason that we perform a credit check. We want to gather information about our customers in order to ensure that they can afford the debt before we even consider providing them with credit

Yes. As a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site. We may perform other credit checks for future purchases you make to keep our commitment to lending responsibly. The check is completed by a third party,