Klarna Invoice Terms & Conditions
Shop Now – Pay After Delivery!
When you pay with Klarna Invoice, you shop safely and easily. You never have to provide your card details, and you always pay after receiving your order.
✔ Receive your items before you pay
✔ Payment period – always at least 14 days
✔ No need to share your card details
✔ Always a 14-day right of withdrawal in accordance with the Distance Selling Act*
✔ Download your invoices from klarna.com
✔ Option for installment payments
Payment Terms
The credit period for this purchase is 14 days from the invoice date. The invoice is sent in connection with the delivery. No invoice fee applies.
If payment is not received, a reminder fee of 60.00 SEK will be added, along with a late payment interest of 25.00% plus the applicable reference interest rate. If payment is still not made, the claim may be forwarded to a debt collection agency, where additional collection costs may apply.
Credit Check
A credit check may be conducted at the time of purchase, which in some cases involves a credit report. If this happens, you will receive a copy of the credit report by mail.
Converting an Invoice to a Flexible Installment Plan
Once you receive your invoice, you can choose to pay a lower amount instead of the full amount, converting your invoice into a flexible installment payment. This allows you to pay at your own pace, with a minimum payment of 50 SEK per month.
For example, with a purchase of 10,000 SEK, a monthly administrative fee of 29 SEK, a variable interest rate of 19.90%, and a 12-month payment plan, the effective interest rate is 29.22%. This means each monthly payment will be 955 SEK, with a total cost of 11,458 SEK.
For more details on the installment plan terms and the Standard European Consumer Credit Information, refer to Klarna’s general conditions.
Handling of Personal Data
Personal data is processed in accordance with applicable laws. Klarna primarily processes personal data for identification, customer analysis, credit checks, marketing, and business development. Your personal identification number is used as a customer number for administrative purposes.
For more details, see Klarna's Data Protection Policy regarding the handling of personal data, including the possibility of data transfer to selected partners or countries outside the EU/EEA region.
By using Klarna Invoice, you consent to our use of your personal data in accordance with Klarna’s Data Protection Policy.
* Exclusions: This policy does not apply to all goods and services, such as flights, events, and custom-made products.
For any questions or concerns, feel free to contact Klarna at +46 8-120 120 10
- Monday – Thursday: 08:30 – 20:00
- Friday: 08:30 – 17:00
- Weekends: 10:00 – 17:00