Klarna installment financing is issued by WebBank with APRs ranging from 0.00% to 35.99% depending on creditworthiness and term length; all loans are subject to credit approval and minimum purchase amounts may apply.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the disclosed cost-of-credit range and issuing bank relationship for Klarna installment financing, which are material Regulation Z disclosure obligations enforceable by the CFPB.
Severity downgraded from high to medium, indicating reduced regulatory concern for this APR disclosure.
View full change record →Under this provision, the actual APR applied to a consumer's installment plan will vary from 0.00% to 35.99% based on individual creditworthiness and term selected; the disclosed monthly payment estimate excludes tax and shipping costs.
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"A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank. All loans subject to credit approval.Excerpt from Klarna's Terms of Service
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This provision establishes the disclosed cost-of-credit range and issuing bank relationship for Klarna installment financing, which are material Regulation Z disclosure obligations enforceable by the CFPB.
Under this provision, the actual APR applied to a consumer's installment plan will vary from 0.00% to 35.99% based on individual creditworthiness and term selected; the disclosed monthly payment estimate excludes tax and shipping costs.
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