Terms and Conditions

For all users

• Klarna Shopping Service

• Klarna’s Privacy Notice

Buy Now Pay Later
At 00:00 on 15th July 2026 BNPL (also called deferred payment credit) became regulated in the UK.

For agreements made after regulation day:

• Pay Later in 30 Days Deferred Payment Agreement

• Pay in 3 instalments Deferred Payment Agreement

For agreements made before regulation day:

• Pay Later in 30 days

• Pay in 3 instalments

Financing

• Fixed-term loan (example agreement)

• Pay in 3 Loan

Other ways to pay with Klarna

• Klarna Credit Card (example agreement)

• One-time Card Shopping Service

• Pay in full by Card

• Klarna Open Banking

Klarna balance & Klarna Card

• Terms and Conditions - Klarna balance and Klarna Card

Purchase and delivery information

• Auto-Track

Memberships

• Terms and conditions for Klarna memberships

• Membership rewards summary