Klarna is a payment system that offers a "buy now, pay later" service. It allows you to purchase from major retailers without paying upfront.

You can follow the steps:
1.Select the Klarna option.
2. Enter your debit or credit card information.
To check your eligibility, Klarna will perform a soft search with a credit reference agency which will not affect your credit score.

Klarna installments allow you to spread the cost of your purchase over 3 equal payments, meaning greater purchasing power and less hassle. Each due payment will automatically be collected from the debit or credit card that you entered at checkout.

When you make any purchase, you will receive an email from Klarna outlining your payment schedule and if you want to make your payment earlier, there are no extra fees for it. For early payment, you can simply log in to your app and select the purchase, and then click 'Payment options'.

Unlike normal credit agreements, Klarna says there's no set credit limit, and “each purchase is subject to an individual availability assessment.

Klarna doesn't set a minimum credit score. It's possible with Klarna to get credit with no prior history. If you choose Klarna as a payment option, the company may conduct a soft credit pull and that does not hurt your credit score.

Klarna's allows you to receive your order up front and get up to 30 days to pay without any interest and fees. You'll also have the option to pay off the balance earlier or extend the due date to a later date for a fee if needed with Klarna.

Different factors may be there if you are not able to pay with Klarna.
1. Your contact details change.
2. Your insufficient payment history, previous order history, or bureau credit information. 3. Your missed or delayed payments or reported financial difficulties can lead you to be blocked from using the Klarna payment option.

You may pay off your Klarna balance early, and you will only be charged for interest as long as you have a balance with them. The sooner you pay off your balance, the less interest you will pay.

If payments get unpaid, you might be blocked from using the Klarna payment option in the future. If the minimum due payment is not made by the due date each month, you can be charged up to $35.00 per missed month and the amount of your late fee will not exceed your minimum due payment.

If you do not pay Klarna on time by the due date, you shall no longer be able to access it for future purchases. For purchases where payments are frequently missed, Klarna may use debt collection agencies to recover your outstanding balance.

For using the Klarna payment option, you must be aged 18 or over to make a purchase. When choosing the Buy now, pay in 3 installments option your eligibility is determined through an affordability assessment and 'soft credit check' so that they can check you can meet your repayment obligations or not.

If you're interested in using Klarna, a full credit check might be performed during which Klarna will contact the credit bureaus. This will show up as an inquiry on your credit report.

Klarna charges merchants a $0.30 fixed fee as well as variable fees up to 5.99%. Klarna Financing allows its customers to spread the cost by paying monthly. Customers will complete a minimum of 3 payments while the payment period can last up to 36 months.

You can extend the due date of your invoice for up to 10 days in the Klarna consumer app. Merchants can contact Merchant Support to extend their due date for an order which will be delayed.