Klarna Said No — What Now?
Klarna soft-searches and declines quietly, often with no reason given. A non-bureau facility removes the cause entirely.
Check my limitQuestions people ask
Can I reapply to them later?
You can, but nothing changes until the underlying file changes — which usually takes months.
Do you run a credit check?
No. We use our own affordability model — no hard search, no Experian or Equifax check. Applying leaves your credit file untouched.
What's the interest rate?
0% APR for the full term, every time. You pay the sticker price plus a one-off activation fee, spread over 6 to 12 monthly payments.
How much can I spend?
A store credit limit is approved in under 60 seconds. Mix categories on one plan if you want to.