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

  Pay over time

• 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

These checks are performed in accordance with

• Does Klarna affect my credit score?