Klarna Terms of Service

Klarna · March 19, 2026 14:50 UTC vs April 2, 2026 06:02 UTC
Old version
March 19, 2026 14:50 UTC
e90743dce4c6131c033142704f2c8618576531df973e278e6519cff95eb3e91e
CA-V-000127
New version
April 2, 2026 06:02 UTC
eaed16342ba6521fae6ab714b5443eba86f7d4d13ec1d906fa5358cfe2d3cc8c
CA-V-000423
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Change Summary
Klarna reorganized the navigation and structure of their US Terms of Service page on April 2, 2026. Several product sections were renamed, reordered, or consolidated — for example, 'Pay later' and 'Pay in 4 installments' links were rearranged, and some section groupings changed. This appears to be a structural and organizational update rather than a change to the actual rights or obligations consumers have.
low severity
0 Sentences added
0 Sentences removed
2 Sentences modified
2 Sentences before
2 Sentences after
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March 19, 2026 14:50 UTC
April 2, 2026 06:02 UTC
6Help6Help
7Show more7Show more
8Sign in8Sign in
n9Legal agreements for Klarna servicesn9Terms and Conditions
10For all usersPay laterKlarna Credit CardMoney TransmissionsPay with KlarnaPurcha
>se and delivery informationMonthly FinancingKlarna balanceMemberships 
11For all users10For all users
12Klarna Shopping Service11Klarna Shopping Service
13Klarna Privacy Policy12Klarna Privacy Policy
15Klarna Recurring Text Message Program – Terms and Conditions14Klarna Recurring Text Message Program – Terms and Conditions
16Klarna Referral15Klarna Referral
17WebBank Privacy Notice16WebBank Privacy Notice
n18Pay latern
19Pay in 4 installments
20Pay later
21Klarna Credit Card
22WebBank Klarna Credit Card Agreement
23Licenses and Important Disclosures17Licenses and Important Disclosures
24Klarna Inc. Licenses18Klarna Inc. Licenses
25Important Disclosures19Important Disclosures
26Pay with Klarna20Pay with Klarna
nn21Pay in 4 installments
22Pay later
23WebBank Klarna Credit Card Agreement
27One-time card24One-time card
28Pay in full by card25Pay in full by card
n29Purchase and delivery informationn
30Auto-Track
31Monthly Financing26Monthly Financing
32Pay over time – WebBank Klarna – example ‘agreement’27Pay over time – WebBank Klarna – example ‘agreement’
n33Klarna balancen
34Klarna balance
35Klarna balance & Klarna Card28Klarna balance & Klarna Card
36Klarna balance Deposit Account and Klarna Card Agreement29Klarna balance Deposit Account and Klarna Card Agreement
37Klarna balance Rates & Fees30Klarna balance Rates & Fees
tt31Klarna balance
32Purchase and delivery information
33Auto-Track
38Klarna Membership34Klarna Membership
39Klarna Membership Agreement35Klarna Membership Agreement