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.

Comments 4
  1. Hello I’ve been using klarna here and there and I’ve paid what ever I needed to pay and it’s saying before I can use klarna I have to clear up the unpaid balance and I don’t have one .if there’s anything I’m missing please let me know thank you

    1. Hi Margaret, it’s best to check your account details for any pending transactions or recent payments that might not have fully processed yet. If everything seems in order, reaching out to Klarna’s customer service directly will be your best bet. They can provide specific insights into your account and help resolve any discrepancies. Always helpful to have any related payment confirmations or account statements on hand when you contact them. Best of luck!

  2. It’s so unfortunate that I have not been able to make a “buy now, pay later” on klanar no matter how I try. Have been registered over a year and have not been able to order from the app

    1. Hi, we are sorry to hear about the difficulties you’ve encountered with using Klarna’s “buy now, pay later” service. It can be particularly frustrating when you’re unable to take advantage of a service you’ve been looking forward to using. There are a few factors that might affect your ability to use Klarna, including credit history, the amount of your purchase, the store’s policies, and even the specific details you’ve provided to Klarna.

      Here are a few steps you can consider to possibly resolve this issue:

      Check Your Details: Ensure that all personal information in your Klarna account is accurate and up-to-date. Sometimes, discrepancies can affect approval.

      Contact Klarna Support: Reaching out to Klarna’s customer service can provide you with more specific insights into why your purchases have not been approved. They might be able to offer guidance on what you can do to increase your chances of approval.

      Review Klarna’s Requirements: Reviewing these requirements can help you understand if there’s something specific that’s affecting your eligibility.

      Consider Purchase Size: Sometimes, trying to make a smaller purchase can help you establish a payment history with Klarna, improving your chances of approval for future purchases.

      Your experience is valuable, and sharing it helps others who might be in a similar situation. Hopefully, these steps can help you make the most out of Klarna’s services soon.

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like