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Klarna Checkout and Payment FAQs

Apply for credit at checkout

Who is Klarna?

Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. With 3,500 employees across 17 countries, Klarna is leading the way for alternative payments by serving 90 million consumers and 200,000 retailer’s payment solutions.
Learn More at Klarna.com

What is Klarna Financing

Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun.

How does financing with Klarna work?

Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. With no hard credit check there is no impact to your credit! Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app. No hidden fees when you pay on time. Monthly financing products are issued by WebBank, member FDIC.

How to shop with Klarna

1. Add item(s) to your cart and head to the checkout.
2. Select Klarna at the checkout to pay as you like for your purchase.
3. Manage your orders and payments in the Klarna app.

How do I pay for my order?

When you apply for financing, it will be connected to your personal debit card. Payments are automatically collected from your debit card. You may also add a valid checking account to your profile for payments to be deducted.

Will this require a credit check and will it impact my credit score?

When you choose to pay with financing, Klarna may perform a soft credit check only. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

Which payment methods are accepted with financing?

Klarna currently accepts Debit cards as a form of payment for monthly financing.

Why wasn’t my purchase approved with Klarna?

If Klarna is not able to approve your purchase, they will notify you of the decision and the reason.

Can I pay off my balance early?

Yes, there will be an option to pay off early in the Klarna email correspondence OR via the Klarna.com

Does Klarna protect my personal information?

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. They offer zero fraud liability with their Buyer Protection policy.

What is the Annual Percentage Rate?

The Annual Percentage Rate (APR) ranges from 0%-24.99% based on customer eligibility.

Is there an annual fee?

There is NO annual fee to use Klarna.

Are Klarna orders available for same day shipping?

Klarna orders are not available for same day shipping at this time.

How do I increase my credit line?

Klarna frequently reviews your account to make sure you have an optimal credit line available. If a line increase is right for you, Klarna will automatically make it available.

How do I dispute a purchase on my Klarna account?

If you discover that a purchase or charge was made in your name that you did not make or authorize, you must file a claim in writing with Klarna within 60 days of the date the charge first appears on your Klarna statement.

Will there be a change to my monthly payments if Lenovo provides a partial refund?

There will not be a change to your monthly payments if you receive a partial refund from Lenovo. Your payments will remain the same and you will pay off the balance sooner.

Who is WebBank and how is it related to Klarna?

Monthly financing products from Klarna are issued by WebBank, member FDIC.

Klarna is always available to help!

Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.