Does Klarna perform a credit search - are there any fees?

Klarna may run so-called unrecorded enquiries (or 'soft credit searches') to determine your eligibility. These searches do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor MUTU Holdings Ltd, run credit searches against you, that could impact your credit rating.

Klarna does not charge interest fees, surcharges or late payment penalties with Pay later in the UK although non-payment will affect your credit score.