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's Pay in 3 / 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. Late fees may apply. Ts &Cs apply.