Klarna Terms of Service

This page constitutes Klarna's US legal hub, aggregating links and summary disclosures for the company's consumer-facing legal agreements governing payment services, financing, the Klarna Card, Klarna Balance, and cashback programs, with stated legal basis rooted in US financial services regulation including California Financing Law. The terms authorize monthly installment financing issued through WebBank with APRs ranging from 0.00% to 35.99% based on creditworthiness and term length, the terms state that the Klarna Card is issued by WebBank pursuant to a Visa U.S.A. Inc. license at 28.99% APR for moved or split transactions, and the agreement states that cashback issuance depends on store approval and may be affected by cookie settings, combining offers, or product exclusions. The financing APR ceiling of 35.99% and the reliance on a bank-partnership model (WebBank as issuer) are structurally standard for US buy-now-pay-later and consumer lending products, though the breadth of cashback exclusion factors reserved by the agreement is operationally notable. The document engages the Consumer Financial Protection Bureau's jurisdiction over consumer credit and buy-now-pay-later products, California's Financing Law (NMLS No. 1353190), and potentially FTC oversight of unfair or deceptive trade practices; applicability of specific CFPB supervisory guidance on BNPL products issued since 2022 may be material depending on product classification. Because the full text of each linked agreement is not reproduced in this source document, this analysis is based on the disclosed fragments and summary disclosures visible on the legal hub page; completeness of analysis is accordingly limited.