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Deferred interest plan with 0% APR* if purchase is paid in full within the pay period

*Interest will be charged to your account from transaction posting date at 24,99% APR if the purchase balance is not paid in full by the end of the [ 6 | 12 | applicable 6 or 12 ] month promo period. Minimum payments required. Additional payments may be required to pay off the balance before the promotion expires. Klarna Credit accounts are subject to a potential $2 monthly minimum interest charge, credit approval and terms. Klarna Credit accounts are issued by WebBank, member FDIC.

Equal monthly payments for a set number of months at a promotional APR

*Promotional offer for qualifying orders. Klarna Credit accounts are subject to a potential $2 monthly minimum interest charge, credit approval and terms. Accounts are issued by WebBank, member FDIC.

CLOSED (TERM LOAN) REPRESENTATIVE EXAMPLE

For the Closed Term Loan Financing Product, you need to include the following in the representative example:

• Monthly payment.
• Number of months.
• Total payment.
• Amount of any down payment.
• Annual percentage rate (please note that the APR in a representative example should always be (i) the rate available to the majority of consumers or (ii) the median rate).

CLOSED (TERM LOAN) DISCLOSURE

PAYMENTS ON KLARNA.COM

You can review your latest purchases and settle your monthly statement at any time by logging into your Klarna account at www.klarna.com

SAFE AND SECURE

We use modern safeguards and security to protect your information and prevent unauthorized purchases. Zero Fraud Liability with Klarna’s Buyer Protection policy Find out more about Klarna’s buyer protection.

ABOUT KLARNA

FREQUENTLY ASKED QUESTIONS

Don’t see your question here?Check out Klarna’s full FAQ page.

Q: What is Klarna?
A: Klarna is a global payment solutions company that provides customers with a simpler and seamless buying experience. We work with over 70,000 merchants and 60 million customers globally. Klarna provides an affordable and highly flexible financing option which is offered at our checkout. This open end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time.

Q: How do I pay for my purchase over time?
A: It’s simple! Just select “Klarna” at checkout to proceed to the application where you will enter simple, top-of-mind information to apply. You will know in seconds which payments plan you are approved for. Once completed, the merchant will ship your order and Klarna will send you an email regarding upcoming payments. Payments are managed here on Klarna.com.

Q: What are your APR rates?
A: Our APR rates vary depending on your purchase amount. You will see the promotional APR and time period that your purchase qualifies for, and the total you will pay when you select Klarna as your payment option at checkout. You will review this before you complete your purchase.

Q: How much will I have to pay for my purchase?
A: For No Interest if Paid in Full purchases, you only pay your order total if it is fully paid within 6 or 12 months depending on your plan - no interest added! Keep in mind, you still need to make at least your minimum monthly payment as noted on the statement Klarna will email to you. If your No Interest if Paid in Full balance is not paid for within the promotional period, interest will be charged to your account from the transaction posting date at 24,99% APR. For purchases that qualify for monthly planned payments, the monthly and total payment amounts are shown before you complete checkout along with the applicable promotional APR. Your monthly Klarna statement will remind you of your payment amount and due date.

Q: How can I reach Klarna?
A: You can reach Klarna at https://www.klarna.com/us/customer-service/