Your credit score determines both whether you can use Klarna financing and how much interest you will pay — a soft or hard credit check may also affect your credit profile.
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.