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Does Klarna Report to Credit Bureaus?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
Klarna reports only its Monthly Pay over time loans to the credit bureaus, specifically TransUnion and Experian. Klarna says it does not share Pay in full purchases, Pay in 4 payments, Pay in 30 payments, or Klarna Card activity with the bureaus.
Klarna and Your Credit
Klarna is a payments company best known for buy now, pay later plans at checkout. In the U.S., options include Pay in 4, Pay in 30 days, Pay in full, and Monthly Pay over time financing, which is issued by WebBank in partnership with Klarna.
Klarna does not run a credit check when you sign up or download the app. It performs a soft credit check when you use Pay in 4, Pay in 30 days, or Pay over time, and soft checks do not affect your credit score or show to other lenders.
Does Klarna Report to Credit Bureaus?
Yes, for Pay over time only. Klarna says it shares information with TransUnion and Experian when you:
- Open a new Pay over time loan
- Make on-time Pay over time payments
- Pay late or default on a Pay over time loan
Klarna says it does not share information about Pay in full purchases, Pay in 4 payments, Pay in 30 payments, or Klarna Card activity.
Who Does Klarna Report Credit Information To?
Klarna names TransUnion and Experian. Its third-party credit checks are performed by TransUnion.
When Does Klarna Report to Credit Bureaus?
Klarna ties reporting to events on a Pay over time loan: opening the loan, making on-time payments, and paying late or defaulting. It does not publish a specific reporting date, so check your Klarna account or contact Klarna if you need details for your loan.
How Reporting Can Affect Your Credit Score
Klarna currently says the Pay over time data it shares will not impact your score, because it is only visible to you and other institutions can't yet view that payment history. That could change, so treat every Pay over time payment as if it counts.
What Can Still Hurt You
- Klarna says late payments or failing to pay could hurt your creditworthiness with Klarna and stop you from using its payment methods.
- Taking on several plans at once adds to the total you owe each month, which can strain your budget.
Tips for Managing Credit With Klarna
- Pay every installment on time and turn on autopay with an account that has enough funds.
- Use Klarna only for purchases you could afford to pay for today.
- Read the terms for each plan, especially the APR on Pay over time financing.
- Track upcoming due dates in the Klarna app so plans don't overlap.
If you would rather pay Klarna with a card, see our guide on how to pay Klarna with a credit card.
Frequently Asked Questions
Does Klarna Pay in 4 Affect My Credit Score?
Klarna says it does not share Pay in 4 payments with the credit bureaus. Using Pay in 4 involves a soft credit check, which does not affect your score.
Does Klarna Do a Hard Credit Check?
Klarna's U.S. help center lists soft credit checks for Pay in 4, Pay in 30 days, and Pay over time, and no check when you sign up. Using its prequalification feature does not affect your credit score.
Can Klarna Help Me Build Credit?
Not right now, based on Klarna's own description. It shares Pay over time data with TransUnion and Experian, but says that data is currently visible only to you.
What Happens if I Miss a Klarna Payment?
For Pay over time loans, Klarna shares late payments and defaults with the bureaus. For any plan, missed payments can affect whether you can keep using Klarna.
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