What is Klarna?
How does Klarna work and is a credit check required?
How to get started
- Open the latest version of the Klarna app. You will see the option to create an account. Select ‘create account’ and enter your email address. You will be asked to verify your identity with a code sent to your email. Klarna will then ask for a phone number to connect to your account. Again, it will send you a code to verify your identity. Klarna will then ask for your permission to track you. You can deny it. You will be directed to a page to find stores that accept in-store Klarna payments. Tap the back button to get to the Home screen and start exploring the Klarna app.
How to navigate the Klarna app
- When you open the Klarna app, you will land on the Klarna home screen. From the home screen, you will see several buttons to different pages: Shop online In-store One-time cards Payments Purchases Deliveries Everything saved Deals Rewards My Store History Invite Friends Inbox And More, which leads to CO2 emissions, Help, and Settings A search bar is at the top and a navigation bar is at the bottom of the home screen. The navigation bar has tabs for Home, Saved, and My Klarna.
How to shop online with the Klarna app
How to shop in-store with Klarna
From the home screen in Klarna, tap the In-store option. Keep in mind all the steps you will perform are done directly in the Klarna app. You will be asked to set up your in-store card. This is a one-time process that requires a valid debit or credit card. Your card needs at least 25% of the total amount you’re hoping to spend. Amex and prepaid cards are not accepted. Once set up is complete, your in-store card will be available in Apple Wallet. You can then shop at any terminal that accepts Apple Pay. Hit the Yes, I’m ready to start button. Enter the amount you wish to spend and then continue. Klarna may perform a soft credit check that doesn’t affect your credit score. Klarna will also ask your permission to add extra to cover shipping and tax. Klarna will offer its “Pay in 4” payment plan option with a link to see more details. You may be asked to enter your bank or credit card info for Klarna. If you already have, then just review your plan and hit confirm and continue. Klarna will create your in-store card and let you add it to your Apple Wallet. Hit Next and agree to terms. Klarna will show you how to use Apple Pay and it will tell you how long the card is valid. Most cards are only valid for 24 hours.
What are the differences between Klarna’s US payment plans?
You will be asked to verify your identity with a code sent to your email.
Again, it will send you a code to verify your identity.
Shop online In-store One-time cards Payments Purchases Deliveries Everything saved Deals Rewards My Store History Invite Friends Inbox And More, which leads to CO2 emissions, Help, and Settings
You may be asked to sign in to your account at the retailer.
Approve the amount and other details like shipping and taxes. Hit continue. Klarna may perform a soft credit check that doesn’t affect your credit score. Klarna will also ask your permission to add extra to cover shipping and tax.
Agree to terms and hit confirm and continue.
4 payments every two weeks at 0% APR 6 monthly payments with interest.
Save your card info, review your plan, and hit confirm and continue.
When done, exit out of the pop-up in the Klarna app to go back to the retailer. Keep in mind all the steps you’re performing are done directly in the Klarna app.
Keep in mind all the steps you will perform are done directly in the Klarna app.
This is a one-time process that requires a valid debit or credit card. Your card needs at least 25% of the total amount you’re hoping to spend. Amex and prepaid cards are not accepted. Once set up is complete, your in-store card will be available in Apple Wallet. You can then shop at any terminal that accepts Apple Pay.
Klarna may perform a soft credit check that doesn’t affect your credit score. Klarna will also ask your permission to add extra to cover shipping and tax.
You may be asked to enter your bank or credit card info for Klarna. If you already have, then just review your plan and hit confirm and continue.
Hit Next and agree to terms.
Most cards are only valid for 24 hours.
