If you don't pay for your order, Klarna may share information about your missed payments with credit reference agencies. This could make using Klarna or other lenders' credit products harder or more expensive in the future.
Klarna may also refer any debt to a debt collection agency, who will collect this for Klarna. If the debt is referred to a debt collection agency, Klarna will share this information with credit reference agencies.
Klarna Pay in 3 and Pay in 30 are regulated credit agreements for agreements entered into on or after 15 July 2026. Agreements entered into before this date remain unregulated. Credit is subject to status and affordability checks. Terms and conditions apply