When you use Klarna to split your purchase into 4 interest-free payments, we run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time.
There are two kinds of credit checks—hard and soft. Soft credit checks, the kind we’ll run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.
If you’re interested in one of our financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.