You may find Klarna easier to qualify for than a credit card. The company considers your credit score in addition to other factors, but there's no minimum score required. Have a credit card but don't have a high credit limit.
What credit score do you need to be approved for Klarna?
Klarna doesn't set a minimum credit score to qualify for financing. Actually, it's possible to get credit with no prior history. If you choose to four interest-free installment payments, the company may conduct a soft credit pull. This does not hurt your credit score.
Does everyone get approved for Klarna?
Klarna does not approve 100% of all orders and our aim is to support responsible, ethical, and sensible spending habits. We understand that it can be frustrating to be declined for purchase after being approved in the past. However, our approval process helps Klarna responsibly offer our services to our customers.
Can you be rejected by Klarna?
Attempting too many purchases in a short amount of time may result in being rejected (fraud prevention) The approval decision is not based solely on credit score, but rather multiple data points.
Does Klarna accept bad credit?
Klarna performs a soft credit check which does not affect your credit score and will not be visible to other lenders when: Deciding to 'Pay in 4 interest-free installments' Preferring to 'Pay in 30 days'