Does using Klarna affect my credit score?

Using Klarna will not affect your credit score. However, information such as payment holidays and existing, late, and unpaid balances is visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using Klarn’s payment options. 

Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.

Klarna’s Pay in 3 instalments and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

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