Appeal or Pay Klarna Debt Collection So You Can Use It Again


Could you write off some Klarna debt?

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How much debt do you have?

This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options. 

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

How to get out of debt
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By
Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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- Financial Expert
Updated 06 December 2023
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Klarna Debt Collection

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you have a Klarna debt and are feeling worried about how to manage it, you are in the right place.

We understand that dealing with debt can be difficult and stressful — you may have concerns about not being able to pay your debt or worry about what might happen if you don’t. 

You’re not alone. Every month, over 12,000 people visit our site for advice on topics related to debt. We are here to help you understand your situation.

This article will cover:

  •  Understanding what Klarna is and the types of credit they offer.
  •  Whether you have to pay your Klarna debt.
  •  How to lower your repayments.
  •  The impact of Klarna credit on your credit score.
  •  What happens if you don’t pay Klarna and whether Klarna will take you to court.
  •  How to regain access to Klarna by paying your debt or appealing against it.

Our team is made up of people who have been in your shoes and have dealt with debt collectors. We know what it’s like, and we’re here to help.

So, let’s take the first step towards sorting out your Klarna debt together.

Do you have to pay Klarna debt?

There are ways to have Klarna debt written off in the UK.

If you genuinely can’t afford your debt repayments then looking into whether you could have your payments lowered or written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.


Could you write off some Klarna debt?

1 of 5

How much debt do you have?

This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options. 

Who Is Klarna?

Klarna is a Swedish fintech company that offers in-store and online payment solutions. Since its creation in 2005, Klarna has become one of the world’s most popular online payment options. As well as a commonly used buy now pay later credit provider in the UK.

Using Klarna’s services, customers can purchase products online or in-store without paying the full amount upfront. Payment can be deferred up to 30 days or instalments can be made over time. 

Retailers are increasingly using Klarna as a payment option since it can increase both offline and online sales. With over 16 million customers worldwide, the company is valued at over $45.6 billion.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt


To find out whether they could work in your situation, hit the button below.

Get Started

What Types of Credit Does Klarna Offer?

In the UK, Klarna offers its customers a variety of credit options. I have explained these in a little more detail, below.

  • The option of making a purchase and delaying payment for 30 days is available to customers. In the 30-day period, the customer will not be charged interest or fees if the full amount is paid. This is the simplest form of BNPL available.
  • A customer can choose to pay for a purchase in three equal instalments. Instalments are paid at the time of purchase, and the remaining two are automatically deducted from the customer’s account every 30 days. Klarna calls this it’s Pay in 3 credits.
  • Klarna also offers financing with longer repayment periods. A fixed interest rate is available for customers who choose to spread the cost of their purchase over 6, 12, or 24 months.

Credit checks and eligibility criteria apply to some Klarna credit options. In order to be eligible for Klarna credit, customers must be 18 years or older.

What Types of Credit Does Klarna Offer

What Is Buy Now Pay Later Credit?

I am really not a fan of buy now pay later credit. To me, it’s akin to a drug dealer giving out free samples in order to hook potential customers. “Sure, borrow this money and pay me back without interest. By the way, do you want to borrow even more? Nope, this won’t be free, I will charge you interest this time”. 

The Buy Now, Pay Later (BNPL) credit system allows customers to make purchases on credit and defer payment until later. Customers can defer payment for a set period of time, usually several weeks to several months, with BNPL. Third-party payment providers like Klarna and others offer this payment option to online and offline retailers

BNPL credit generally entails little to no interest during the deferred payment period, but interest may accrue if the customer does not pay off the entire balance by the end of the credit term. Late fees and missed payments are also charged by some providers.

When customers don’t have the funds to make a purchase at the time of purchase, BNPL credit can be a convenient option. It is, however, important to use this type of credit responsibly and make sure the payment schedule is manageable.

What Is Traditional Credit?

Traditional credit revolves around the signing of a credit agreement, that sets out a schedule for repayment of the loan. This includes how much interest will be charged, and full information about late payment fees and what will happen if you don’t pay the debt. Unlike BNPL credit, which can literally be applied for with a click of a button, a traditional credit agreement will generally require the lender to make a hard search on your credit file.

Will Klarna Credit Impact Your Credit Score?

Like any other form of credit, Klarna’s credit options can affect your credit score. Klarna will perform a soft credit check on you when you apply for credit, which won’t affect your credit score. When you are approved for credit and use it, Klarna will report your payment behaviour to credit reference agencies such as Experian and Equifax.

Your credit score can improve if you make payments on time and in full. A late payment or missed payment can negatively impact your credit score, however. Use Klarna’s credit options responsibly and only borrow what you can afford to repay on time.

Your credit score can be negatively impacted if you apply for credit with multiple lenders within a short period of time. Taking on too much debt can be interpreted as a sign that you are in financial difficulty.

What Happens if You Don’t Pay Klarna?

Your credit score and financial well-being can be negatively affected if you don’t pay Klarna on time. You may face the following consequences if you fail to pay Klarna:

  • Klarna may charge you a late fee if you fail to pay your bill on time. You will be charged a late fee according to Klarna’s terms.
  • You may be charged interest if you do not pay off your Klarna credit account balance in full by the end of the interest-free period if you have a Klarna BNPL account.
  • If you don’t get out of debt with Klarna, you face being hounded continually by collection agencies such as Lowell Financial, PRA Group or Global Debt Recovery.

Will Klarna Take You to Court?

Once a collection agent has become involved in getting you to repay Klarna. They will take legal action against you if you do not pay. This means that they will ask the local court to issue a County Court Judgement (CCJ) against the debt. You are then legally liable to pay it.

If you don’t pay your debt once a CCJ is in place, the court could send bailiffs to your home to collect the debt. They will what payment in full, or take goods from your home to be sold to pay off your debt.

Can You Regain Access to Klarna if You Pay Your Debt?

When you pay off your debt in full, you may be able to regain access to Klarna’s services if you were banned from using Klarna due to unpaid debt. As soon as you pay off your debt, your account will be updated accordingly and any restrictions or bans will be lifted.

Klarna access is not guaranteed, and it will depend on a variety of factors, including your payment history and credit score, as well as the reason for your original restriction. So even if you get out of debt with Klarna, you may not be allowed to use its services again.

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Can You Regain Access to Klarna if You Appeal Against Your Debt?

You can contact Klarna’s customer service team if you have paid off your debt and would like to regain access. If you have restrictions on your account, they may be able to lift them or assist you in reapplying for credit. But once again, this is going to depend very much on your own circumstances, and why your Klarna account was restricted in the first place.

The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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How to beat Klarna debt
How to beat Klarna debt

Looking into debt solutions could help. 

  • Lower monthly payments
  • Reduce pressure from the people you owe
  • Affordable monthly repayments. 
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