Klarna Terms of Service

This document is the legal hub page for Klarna US (www.klarna.com/us/legal/), serving as an index of Klarna's legal agreements governing consumer financial products and services offered in the United States, including buy-now-pay-later installment plans, the Klarna Card (issued by WebBank under a Visa license), financing products (issued by WebBank), and the Klarna Balance account with cashback features. The document text as retrieved is predominantly composed of front-end rendering code, site configuration JSON, and UI element definitions rather than the substantive terms of service themselves; the actual operative legal provisions are not fully present in the retrieved HTML payload. Based on the fragments available, the terms authorize monthly financing through Klarna issued by WebBank, with rates ranging from 0.00% to 35.99% APR subject to credit approval, and the Klarna Card is issued by WebBank pursuant to a Visa U.S.A. Inc. license at a stated 28.99% APR for moved or split transactions. The document references a California Financing Law license (NMLS #1353190) and cashback terms conditioned on store approval, cookie settings, and other factors, with funds restricted to use within the Klarna platform. Because the substantive terms of service text was not fully rendered in the retrieved document, a complete provision-level analysis cannot be performed; the regulatory frameworks most likely engaged include the Truth in Lending Act (TILA), the Consumer Financial Protection Act, California Financing Law, and applicable state consumer protection statutes, with the CFPB as the primary federal enforcement authority.