1) How does Klarna work?
Klarna partners with businesses like us to offer third-party financing solutions. Since we offer Klarna, you’ll see the option to select Klarna at checkout. It allows you to pay in several ways depending on your needs.
The payment options Klarna offers:
Pay in 4: Pay for your purchase in four installments, every two weeks. You'll make the first payment at checkout.
Pay in 30 days: You won't make an initial payment when you purchase your item. You'll have 30 days to cover the balance without paying interest.
Financing terms of six to 36 months: Pay for pricier purchases over six to 36 months, with monthly payment installments.
If you do not have an account with Klarna, you can sign up here.
2) How can I pay in Klarna?
Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule.
3) Can I pay it off early?
Yes. You can choose to pay off the balance or make one of the installments earlier.
If you are using the Klarna app, click on My Klarna->Payments->select the order and click Payment options.
4) Does Klarna affect my credit score?
It depends on the payment method or service you choose because Klarna performs different types of searches to check your financial standing.
5) Does Klarna perform a credit check?
They do not always perform a credit check on you, they want to make sure they are helping the customers make the right financial decisions for any circumstances. They will perform a soft credit check when you decide to Pay in 4, Pay in 30 days, and apply for monthly financing.
6) How can I extend my due date?
Go to Payments>Select the order you would like to pay later>Tap Payment Options and then tap Extend due date.
7) Do I need to pay off all payments before the product ships?
No. Klarna allows you to receive the product upfront without paying it off first.
8) How long do refunds take?
Your refund will be processed within 14 days. Once we have registered your return or cancellation, you will receive your refund according to our refund policy.
9) How to pay in 4 installments with Klarna?
When you pay in 4, we split your purchase into 4 equal payments. We collect the first payment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks, with no interest or fees if you pay on time.
10) I have issues with paying for my Porch Potty in Klarna. What should I do?
You will need to contact Klarna directly if you are struggling with paying online. In some cases, you will need to check your credit card information just to be sure all the data is correct.
11) Is there interest on the payments?
Klarna offers no-interest financing without fees or interest, as long as you fully repay your balance on time. However, if you miss a payment, there is a late fee of up to $7.00.
12) What happens if I miss a payment?
There is a late fee of up to $7.00 if you miss a payment. Your missed payment will be added to the next scheduled one, and you won’t be able to purchase again until your balance is paid.
13) What payment methods can I use to pay Klarna installments?
Klarna accepts all major debit and credit cards, including Mastercard, Visa, Amex, and Discover. However, it doesn't accept prepaid cards.
14) Why was my purchase not approved with Klarna?
Klarna does not approve 100% of all purchases. They aim to support responsible, ethical, and sensible spending habits. However, the approval process helps Klarna responsibly offer our services to our customers.