Klarna · Klarna Terms of Service

Aggregated Legal Terms Repository

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Why it matters

If you cannot easily locate the terms governing your specific Klarna product, you may unknowingly agree to conditions that affect your rights and finances.

Consumer impact

Klarna's financing products can carry APRs as high as 35.99%, meaning consumers using installment financing could pay significantly more than the purchase price depending on their creditworthiness and selected term. Loans are issued by WebBank, and all financing is subject to credit approval, which may affect consumers' credit profiles. You can review the full loan terms at klarna.com/us/legal/ before accepting any financing offer to understand total cost and repayment obligations.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Export Your Data
    Visit klarna.com/us/legal/ and locate the specific agreement that applies to your Klarna product (e.g. financing terms, privacy policy, or app terms) and save or print a copy for your records.

Applicable agencies

  • FTC
    Inadequate disclosure of applicable terms at point of sale may constitute an unfair or deceptive practice under the FTC Act.
    File a complaint →

Provision details

Document information
Document
Klarna Terms of Service
Entity
Klarna
Document last updated
March 24, 2026
Tracking information
First tracked
March 20, 2026
Last verified
March 20, 2026
Record ID
CA-P-000919
Document ID
CA-D-00165
Evidence Provenance
Source URL
https://www.klarna.com/us/legal/
Wayback Machine
View archived versions →
SHA-256
827a71fb4828dae42abb31d4920ee452e753fb37122ba226e6c844c467f19b09
Verified
✓ Snapshot stored   ✓ Change verified
How to Cite
ConductAtlas Policy Archive
Entity: Klarna | Document: Klarna Terms of Service | Record: CA-P-000919
Captured: 2026-03-20 05:06:22 UTC | SHA-256: 827a71fb4828dae4…
URL: https://conductatlas.com/platform/klarna/klarna-terms-of-service/aggregated-legal-terms-repository/
Accessed: April 4, 2026
Classification
Severity
Low
Categories
Unknown

Other provisions in this document