Klarna uses soft searches with credit reference agencies. These do not affect your credit rating

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA.

Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions