Question 1

What is Klarna?

Accepted Answer

Klarna is one of the largest banks in Europe, offering payment solutions to over 150 million consumers across a network of more than 500,000 merchants spanning 45 countries. Klarna allows customers to split purchases into 3 interest free and fee free payments.

Question 2

Who Can Use Klarna?

Accepted Answer

To be eligible to use Klarna you must:Be a UK residentBe at least 18Have a valid bank card/bank accountHave a positive credit historyBe able to receive verification codes via text

Question 3

Does Klarna Perform a Credit Check and Will This Affect My Credit Score?

Accepted Answer

Yes, Klarna will perform a credit check. This can affect your credit score depending on which payment option you choose in the checkout.When a credit check is performed, Klarna will verify your identity using the details you provided and look at information from your credit report. Depending on the payment option you choose, they may perform different types of searches and checks to assess your financial standing:A soft credit check is performed when you apply for Buy Now Pay Later options which will not affect your credit score. However, as a responsible lender, Klarna shares data about your payments to credit reference agencies which are visible to other lenders.

Question 4

How much am I eligible to spend?

Accepted Answer

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:Go to https://klarna.com/ie/Follow the prompts to check the estimated amount you can spend on your next purchaseYour 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.

Question 5

How do I apply for Klarna?

Accepted Answer

Download the App.Receive an email verification code.Receive an SMS verification code.Verify Identity (DOB, Name, Address) & Link Payment Method (Debit or Credit Card)Search for Therapie Clinic.Enter the amount they want to apply for.When confirmed, one third of the payment is taken from your debit card. This will be refunded if you do not complete your transaction.A one-time virtual card is created which you will then use to purchase their service, course or product with us in full.

klarna FAQ

klarna

What is Klarna?

Who Can Use Klarna?

Does Klarna Perform a Credit Check and Will This Affect My Credit Score?

How much am I eligible to spend?

How do I apply for Klarna?