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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
This is Klarna's US legal page, which serves as a directory of legal agreements for Klarna's US financial products, including buy-now-pay-later plans, installment financing, the Klarna Card, and the Klarna Balance cashback account. The financing disclaimer visible in the page states that a $1,000 purchase may cost $173.53 per month over 6 months at 13.99% APR, with rates ranging from 0.00% to 35.99% APR, and that the Klarna Card carries a 28.99% APR on moved or split transactions, with all loans issued by WebBank and subject to credit approval. Cashback earned through the Klarna app is restricted to use within the Klarna platform, and issuance depends on store approval and may be affected by cookie settings, combined offers, or product exclusions.
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.
The agreement establishes that monthly financing through Klarna is issued by WebBank, with APR ranging from 0.00% to 35.99% based on creditworthiness and term length, subject to credit approval. Under these terms, the Klarna Card carries a 28.99% APR on all moved or split transactions, and cashback funds earned through the Klarna app can only be used within the Klarna platform, with issuance subject to store approval and conditions including cookie settings. You can review the full terms for each product by accessing the linked legal agreements on the Klarna US legal page at www.klarna.com/us/legal/.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
6 important changes detected
6 versions captured · Last updated: May 2026
Klarna's Terms of Service included a minor organizational change to its table of contents on May 6, 2026. The term 'Monthly Financing' was removed from a list of financing options, …
View change record →Klarna reorganized the table of contents and navigation structure of its Terms of Service on April 19, 2026. The updated document removed several product-specific links and agreements from the main …
View change record →Klarna reorganized the table of contents and navigation structure of its Terms of Service on April 2, 2026. The update removed some product category headings (such as 'Pay later' and …
View change record →Klarna reorganized the table of contents and navigation structure of its Terms of Service on March 19, 2026. The updated document reorganizes the listing and grouping of legal agreements, adding …
View change record →Klarna has updated this document before. Monitor includes same-day alerts, structured change summaries, and monitoring for up to 20 platforms.
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