Klarna · Klarna Terms of Service

Financing APR Disclosure (0.00%–35.99%)

High severity
Share 𝕏 Share in Share

Why it matters

A 35.99% APR is very high and could significantly increase how much you pay in total — knowing this upfront helps you make an informed decision.

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.
  • Dispute a Fee
    If you believe you were charged an incorrect interest rate, visit Klarna's customer service page, select your financing order, and submit a dispute describing the discrepancy.

Applicable agencies

  • CFPB
    The CFPB regulates consumer financing disclosures under TILA and Regulation Z, which apply to Klarna's installment financing APR disclosures.
    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-000914
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-000914
Captured: 2026-03-20 05:06:22 UTC | SHA-256: 827a71fb4828dae4…
URL: https://conductatlas.com/platform/klarna/klarna-terms-of-service/financing-apr-disclosure-0003599/
Accessed: April 4, 2026
Classification
Severity
High
Categories
Payment fees

Other provisions in this document