Finance today with Klarna!
How It Works:
Frequently Asked Questions:
Who is Klarna?
Klarna is a company that is designed to make your shopping experience simpler and safer. They offer customized financing plans so you can purchase the furniture you want without breaking your budget! Klarna offers payment solutions in over 65,000 stores in over 18 countries and have helped more than 45 million users.
What is Klarna Credit?
Klarna Credit is an affordable and highly flexible financing option which is offered at the checkout of online stores. The open-end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time.
How Does Financing With Klarna Work?
It’s simple! Put the furniture you want to purchase in your cart, then click "Pay Later with Klarna" at checkout, choose the payment option that works best for you and accept the terms. You will know in seconds if you are approved, then complete your purchase! The order amount will be added to your monthly statement. Klarna will let you know once your statement is ready so you can make your payment. It's really that easy!
What Is The Annual Percentage Rate?
The APR may be as low as 0% for any purchase $299 - $2400 as long as the total amount due is paid in full at the end of the 6,12, or 18 month promotional period. Otherwise, interest accrues at the standard APR rate.
Planned payment options up to 36 months with purchases up to $10,000 have an interest rate of a fixed 9.99% APR.
The Annual Percentage Rate (APR) for revolving standard purchases with no planned ending and where you only must pay a minimum monthly payment is 19.99%.
All plans with interest are subject to a minimum finance charge of $2
Is There An Annual Fee?
There is NO annual fee to use Klarna
Does Klarna Check My Credit Report?
When you apply, Klarna works with WebBank to obtain and evaluate your credit report and other credit-related information in order to assess creditworthiness. Once approved, Klarna may also receive periodic updates to your report which have no impact on your credit score. Klarna may periodically pull updates to your credit report for line increases and ongoing servicing of the account.
I Am A Returning Customer. Do I Need To Fill Out Another Application?
No, once you have used Klarna before, simply put in your email and phone number and they will do the rest!
Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.
Klarna has 2,500 employees across 17 countries, and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants payment solutions.