Does Klarna Perform a credit check on me?

Yes, As a responsible lender, Klarna wants to make sure they are helping customers make the right financial decisions for their circumstances. Klarna performs a credit check when you first create a one-time card in their shopping app or the first time you pay us with Klarna. Klarna may perform other credit checks for future purchases you make to keep their commitment to lending responsibly. The check is completed by a third party, Illion. This check will be visible on your credit report but it will not impact your credit score. A positive repayment record with Klarna will help ensure your ongoing ability to check out with Klarna in the future. These checks are performed in accordance with Klarna’s Terms & Conditions, Which you agree to when you create an account with Klarna.

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