Only available for Germany, Austria and Finland
IMPORTANT: Klarna offer allot of payment options but the offer of payment plans varies from country to country. So it is possible the payment plan is not available in your country. If it is not it will not shown in your chart
We’ll tell you when your monthly statement is ready and it’s time to make your payment. If a payment is due you MUST pay at least the minimum payment each month, though only paying this amount will increase the total interest you have to pay. We recommend you pay the interest-saver amount, shown on your statement each month, which will keep you on track to pay for your purchase in full within the Financing promotional plan period.
Our Pay later service means you can pay for your purchase in full after it’s delivered. It’s not part of your Klarna Account, and any existing Pay later orders are not part of your agreed repayment schedule with Klarna.
When selecting Financing at a supporting checkout, you will be required to review and confirm the credit agreement prior to confirming information regarding your financial circumstances. An affordability assessment is then performed by Klarna which allows us to assess your ability to meet repayments under the credit agreement in a sustainable manner.
A representative APR (Annual Percentage Rate) is the typical total cost of a credit product expressed as a percentage, spread over 12 months. The representative APR for a Klarna Account is 18.9% (variable) per annum. This is also the standard rate of interest that will apply to your purchases.
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.
Financing is offered at participating online stores. If it is available it will be presented as an option during checkout.
Your credit limit is the maximum amount of credit Klarna will offer you at this time. It depends on a number of factors including your previous credit history and an affordability assessment. We will let you know by email how much credit we will offer you once you have signed your Klarna Account agreement in the checkout. Your credit limit is also shown on each monthly statement and within the Klarna app, available on Android and IOS.
You can choose to pay your minimum payment amount rather than the interest-saver payment amount. Your monthly minimum payment is the amount you need to pay to avoid incurring late fees on your Klarna Account. You should be aware that if you choose to make the minimum payment instead of your interest-saver payment you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).
If you have selected the Financing option, Klarna will send you an email with further details on how to pay. The email will contain a link to Klarna where you can settle your statement.
When you first open your Klarna Account we will need the following information:
- Your full name
- Your billing address
- Your date of birth
- Your mobile phone number
- Your email address
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 monthly statements you may become liable for late payment fees. If you change your email address after you have placed an order, please contact Customer Service and we will help you update your information.
We will send your monthly statement notification by email with instructions on how to make a payment, together with an overview of your Klarna Account. You can also download your statement when you are logged in here from the Account Overview page. Just select ‘Make a payment’ and enter the amount you want to pay.
Simply select the ‘Make a payment button’ in your monthly statement email, which we will send you on or around the 7th of every month. Once you are logged in you can opt to pay your minimum or interest-saver payment, or a custom amount. If you have promotional purchases which are due at the end of the month we recommend paying the interest-saver amount to ensure you maintain your promotional terms. Alternatively, you can pay your minimum payment. Please note this transforms any promotional balances to our standard rate account, which is charged at 18.9% interest. If you do not have your monthly statement email to hand, you can login here or via the Klarna app, which is available on Android and IOS. Follow the steps to request a new login link, which will be sent to your email address. Once you have logged in, select credit account from the top right hand menu. Then you can make your payment. You can make a payment to your account using a debit card.
If you would like to return or cancel your order, please contact the store where you made your purchase.
Log in here to tell us that you haven’t received your goods yet. You can also let us know by logging in to the Klarna app for iOS and Android, or by chatting with our customer service agents 24/7. Once you have reported that you haven’t received your good, you won’t need to make payment until the issue is resolved.
Your Klarna Account is an account with a line of credit which you can use to buy goods and pay for over time. Goods you order will be sent to you by the store. They will send you an email to confirm your order and its expected delivery date. You’ll also receive a physical copy of your credit agreement from Klarna within a few days, as well as a welcome email with a link to your first monthly statement. Statements are sent on or around the 7th of each month. You can also log in here or alternatively you can log in via the Klarna app, available on IOS and Android, at any time to review your purchases and payments or settle your monthly statement. If you need further assistance, just contact Customer Services.
Financing is one of the options that may be offered to you at participating merchants. As well as giving you a flexible way to manage your payments, Financing gives you the option to start paying for your goods after you have received them. The first time you choose to buy with with Slice it, you will be asked to apply for a Klarna Account at the checkout phase. We will then carry out an affordability assessment. If you are approved we will then create your account. If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit. Payment information is processed securely by Klarna. All transactions take place via secure connections secured protected with the latest industry standard security protocols.