Klarna FAQs – Smartwool

Klarna Frequently Asked Questions

We’ve partnered with Klarna to provide you with an easy pay-in-4 option at checkout, so you can get the gear you need and get out exploring.

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 170,000 online stores and has more than 70 million users globally.

How do I pay in 4 interest-free payments?

Select 4 interest-free payments to split your purchase into four 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.

How do automatic payments work?

Payments are collected bi-weekly 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 payments?

There are no interest charges with Pay later in 4 payments, and no fees when you follow your automatic payment schedule. A Late Fee of up to $7 may be charged if an automatic payment cannot be collected. Please refer to the Klarna Terms of Service for more information.

Will this affect my credit score?

When you pay in 4 interest-free payments, 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.