Purchase on account with Klarna: you need to know that
Paying on account when shopping online with Klarna is a good alternative to conventional payment methods. In this article you will find everything you need to know about buying on account with Klarna.
Purchase on account via Klarna - you must meet these conditions
After entering your data, Klarna arranges for a credit check and a data comparison. You should meet the following criteria:
- Minimum age: You must be at least 18 years old to use the service. You must also provide your gender and your real address.
- An identical billing and shipping address that matches the registration address is also recommended. The reason: for Klarna itself, the addresses do not necessarily have to match, but for some of the dealers represented there.
- Creditworthiness positive: Schufa entries can possibly result in your creditworthiness being negative, so you receive a rejection from Klarna.
Fees for purchase on account from Klarna
Klarna itself offers invoice purchase for consumers free of charge, the dealer pays the fee. However, he has the right to sue the buyer for this.
- The online shop can then determine the amount of the applicable invoice fee itself. The purchase amount, including shipping costs and surcharge for using the service, may be higher than desired.
- If the payment deadline is exceeded 14 days after dispatch, Klarna will first send a reminder by email. After a further 7 days without payment, a reminder fee of EUR 1.20 is due. 21 days after the due date, you must expect a second reminder and a fee of EUR 2.40, after 37 days (third reminder) it is EUR 3.60. After 49 days, Klarna can commission a collection agency to collect the money. Here you can then face significantly higher costs.
Convert invoice purchase into hire purchase
In many cases it is easily possible to convert your invoice purchase into an installment purchase.
- The minimum installment amount is 6.95 euros, from a total amount of 200 euros you have to sign a hire purchase contract.
- Klarna limits the maximum term of a hire purchase to 24 months.
- Please note that Klarna charges you for a hire purchase.
You can get an overview of secure payment methods for online shopping in our next practical tip.
Current vouchers for electronics shops with Klarna payment:
To Cyberport vouchers
To AO.de vouchers
To Saturn vouchers