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What is Klarna?


IT’S SMOOTH AND SIMPLE

Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

HOW TO CHECKOUT WITH KLARNA

  1. Add item(s) to your cart and select    at checkout.
  2. Choose the payment option that fits your needs.
  3. Enter your card information or complete a Klarna Credit application.
  4. Easily manage your purchases in the Klarna App.

 

4 INTEREST-FREE INSTALLMENTS

Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!

MONTHLY FINANCING

Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.

MAKING PAYMENTS

Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna Customer Service 24/7 in the Klarna App.

SAFE AND SECURE

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.

WHAT IS KLARNA?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.

HOW DO I PAY IN 4 INTEREST-FREE INSTALLMENTS?

Select 4 interest-free installments to split your purchase into four equal payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.

HOW DO AUTOMATIC PAYMENTS WORK?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.

IS THERE A FEE TO USE 4 INTEREST-FREE INSTALLMENTS?

There are no fees when you follow the payment schedule. Please review product terms for applicable fees.

WHAT IS KLARNA MONTHLY FINANCING?

Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network.View complete terms.

HOW DOES FINANCING WITH KLARNA WORK?

It’s simple! Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna and can manage your account through the https://app.klarna.com/login.

WILL THIS AFFECT MY CREDIT SCORE?

When you choose 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.

HOW CAN I REACH KLARNA?

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat.

ABOUT KLARNA

Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smooth’, adding value for shoppers and retailers with unique payment options and superior customer experience.
Klarna has 2,500 employees across 17 countries and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants smooth payment solutions.
www.klarna.com/us/what-is-klarna/

DOES PAYING WITH KLARNA AFFECT JBW’S RETURN POLICY?

No, it doesn’t. Every product purchased through JBW.com comes with a 30-day return policy. We also provide our Timepiece Guarantee - guaranteed genuine diamonds, up to two-year international warranty, complimentary US shipping and returns.

HOW DO REFUNDS WORK IF I PAID WITH KLARNA?

If you’ve been paying in monthly installments and want to process a refund, you will receive the total that you’ve paid so far back from Klarna, minus Klarna fees, issued to the bank account or debit card that you used to make payments. All future payments will be canceled. You should see a refund credit within 3 to 10 business days, depending on your bank’s processing time.

CAN I AMEND MY ORDER AFTER MY PURCHASE HAS BEEN PROCESSED?

Unfortunately, you cannot edit your order after you have confirmed your loan. If you would like to add items to your purchase, you can apply for another loan with Klarna or use a different payment method.

I STILL HAVE QUESTIONS! WHAT SHOULD I DO?

If you have any questions regarding your JBW purchase, please feel free to contact our concierge service directly via phone at 1-866-408-1600 or by email at support@jbw.com.
You can also view Klarna’s FAQ page to find out more about the service.

Was this article helpful?
92 out of 96 found this helpful

What is Klarna?


IT’S SMOOTH AND SIMPLE

Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

HOW TO CHECKOUT WITH KLARNA

  1. Add item(s) to your cart and select    at checkout.
  2. Choose the payment option that fits your needs.
  3. Enter your card information or complete a Klarna Credit application.
  4. Easily manage your purchases in the Klarna App.

 

4 INTEREST-FREE INSTALLMENTS

Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!

MONTHLY FINANCING

Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.

MAKING PAYMENTS

Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna Customer Service 24/7 in the Klarna App.

SAFE AND SECURE

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.

WHAT IS KLARNA?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.

HOW DO I PAY IN 4 INTEREST-FREE INSTALLMENTS?

Select 4 interest-free installments to split your purchase into four equal payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.

HOW DO AUTOMATIC PAYMENTS WORK?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.

IS THERE A FEE TO USE 4 INTEREST-FREE INSTALLMENTS?

There are no fees when you follow the payment schedule. Please review product terms for applicable fees.

WHAT IS KLARNA MONTHLY FINANCING?

Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network.View complete terms.

HOW DOES FINANCING WITH KLARNA WORK?

It’s simple! Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna and can manage your account through the https://app.klarna.com/login.

WILL THIS AFFECT MY CREDIT SCORE?

When you choose 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.

HOW CAN I REACH KLARNA?

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat.

ABOUT KLARNA

Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smooth’, adding value for shoppers and retailers with unique payment options and superior customer experience.
Klarna has 2,500 employees across 17 countries and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants smooth payment solutions.
www.klarna.com/us/what-is-klarna/

DOES PAYING WITH KLARNA AFFECT JBW’S RETURN POLICY?

No, it doesn’t. Every product purchased through JBW.com comes with a 30-day return policy. We also provide our Timepiece Guarantee - guaranteed genuine diamonds, up to two-year international warranty, complimentary US shipping and returns.

HOW DO REFUNDS WORK IF I PAID WITH KLARNA?

If you’ve been paying in monthly installments and want to process a refund, you will receive the total that you’ve paid so far back from Klarna, minus Klarna fees, issued to the bank account or debit card that you used to make payments. All future payments will be canceled. You should see a refund credit within 3 to 10 business days, depending on your bank’s processing time.

CAN I AMEND MY ORDER AFTER MY PURCHASE HAS BEEN PROCESSED?

Unfortunately, you cannot edit your order after you have confirmed your loan. If you would like to add items to your purchase, you can apply for another loan with Klarna or use a different payment method.

I STILL HAVE QUESTIONS! WHAT SHOULD I DO?

If you have any questions regarding your JBW purchase, please feel free to contact our concierge service directly via phone at 1-866-408-1600 or by email at support@jbw.com.
You can also view Klarna’s FAQ page to find out more about the service.

Was this article helpful?
92 out of 96 found this helpful