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How do Klarna’s credit checks work?

There are two kinds of credit checks—hard and soft. Klarna runs soft credit checks for Pay in 4. Soft credit checks have no impact on your score because they are not reported to the credit bureaus.

If you choose Klarna’s financing option, a hard credit check might be required. Hard credit checks are reported to the credit bureaus and will show up as an inquiry on your credit purport. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.

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