How To Get Approved For Klarna?

What Banks Does Klarna Accept?

If you’re an e-commerce retailer looking for new payment options to add to your online store, grow your e-commerce business and optimize processes, consider Buy Now, Pay Later services. One of the most popular and trusted platforms in this sphere is Klarna – a company that was founded in 2005 in Sweden and since then has expanded further in Europe, Australia and the USA. Klarna allows its customers to buy the items they like with interest-free payments. 

Getting approved for Klarna is an exciting step for shoppers looking to manage their finances better and take advantage of more flexible payment options. In this guide, you’ll learn everything you need to know about getting approved for the service – from understanding the eligibility criteria to completing the application process. Want to enjoy greater financial freedom? Let’s get started and get you approved for Klarna today!

Understanding the eligibility criteria for Klarna

Before you can apply for Klarna, you must first understand the eligibility criteria and make sure you qualify for the services. Pay attention to the following:

  1. Your age.

The first and foremost requirement for getting approved for Klarna is that you must be over 18 years of age.

  1. Residency.

You must be a resident of a country you’re applying for Klarna in and have a valid government-issued ID and residential address. 

  1. Bank card or bank account.

You need to have a valid credit/debit card or bank account to prove that you can make payments.

  1. Good credit history.

Positive credit and payment history with Klarna maximizes your chances for approval. Naturally, if you’ve got a lot of debt, Klarna’s soft credit check will not play in your favor. 

  1. Valid phone number.

Last, but not least, you’ve got to have a phone that is capable of receiving verification SMS.

Once you have verified that you meet the eligibility criteria, you can proceed with the application process. Before you do so, however, it is a good idea to familiarize yourself with the terms and conditions of Klarna. This will help you understand how Klarna works and what is expected of you. 

klarna credit requirements

Completing the application process

The next step in getting approved for Klarna is to complete the application process. This process is fairly straightforward and connected with the eligibility criteria described above, so it typically only takes a few minutes. 

First, you’ll need to provide some personal information, such as your name, email address, and phone number. Then you’ll also have to provide your billing address and financial information, such as your checking account or credit card. Upon entering your personal and financial info, you’ll be asked to agree to the terms and conditions of Klarna and submit the application.

Once you’ve submitted your application, Klarna will review it and decide whether or not you meet their eligibility criteria. If you are approved for Klarna, you’ll receive a confirmation email and you can start using Klarna right away. 

What to do if your application is denied

If your application is denied, don’t worry. You can reapply for Klarna if you meet the eligibility criteria. However, it’s important to understand why your application was denied in the first place. Klarna will typically provide you with a reason for the denial, so make sure to read it carefully. This will help you understand what you need to do to improve your chances of getting approved in the future.

Note that Klarna makes lending decisions on a purchase-by-purchase basis, which means you can be denied for this purchase, but may be approved for the other depending on how much you’d like to borrow. Delete some items and check again.

If your application was denied due to insufficient income or a poor credit history, you may need to take steps to improve your financial situation. This could include paying off any outstanding debts, improving your credit score, or increasing your income. Once you have taken these steps, you can reapply for Klarna and hopefully, you’ll be approved.


Now that you know everything there is to know about getting approved for Klarna, you can start saving money and enjoying greater financial freedom. Interest-free payments and flexible financing options allow you to save money now and pay off your debt later. Klarna makes the items you like accessible.

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