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Klarna does not have a minimum credit score requirement for its pay-in-four credit product. While Klarna does not report on-time payments of pay-in-four loans to the credit bureaus, it may report missed payments.
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.
You might experience that not all or no Klarna payment options are available to you when making another purchase with Klarna. Different factors, such as missed or delayed payments or reported financial hardship can lead to being blocked from further using Klarna.
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. Preferring to Pay in 30 days. Use Monthly financing.