CONVENIENCE TRANSLATION - ONLY THE GERMAN LANGUAGE VERSION IS BINDING.
GERMAN LANGUAGE WILL ALSO BE USED FOR ALL CORRESPONDENCE FROM KLARNA.
The flexible way of shopping on the internet. With Klarna you decide every month how much you want to pay. You always get your goods delivered before you have to pay them and all of your purchases will be combined on one monthly bill. This applies to all online stores where you shop with Klarna account. Please note that the minimum monthly rate for all purchases together, but even for a single purchase is always 1/24 of the total amount but is, however, always at least 6.95 €.
• Always get the goods before you pay.
• Pay at least 6.95 €/month or 1/24 of the total amount.
• You must not provide a credit card number or bank account number.
• All of your purchases are collected on one monthly bill.
• Shop now – pay at the end of the following month.
• Monthly payment fee of 0.45 €, regardless of the number of purchases.
• You can also at any time settle the total amount and terminate Ratenkauf.
With a purchase of 500 € according to Klarna´s base conditions, the setup fee is 0 €. The nominal interest rate applicable is 11.95 %, this corresponds with a monthly payment fee of 0.45 € to an effective annual interest rate of 14.79 %. The total credit amount is 538.35 €. When paying in 12 instalments each instalment is 44.86 €. This example assumes that the repayment occurs within one year. The effective annual interest rate can be both lower and higher and depends on the amount of the credit that is offered to you by Klarna.
If your part pay purchases exceed a total of 199.99 EUR for the first time, you will receive an agreement from Klarna which you need to sign and return to Klarna. Your purchase is regarded as invoice purchase until you have returned the signed agreement.
The invoice amount is due upon receipt of invoice. Klarna checks and rates your data specifications and exchanges the data with other companies or credit reporting agencies due to legitimate interest and occasion. If the credit rating of a customer cannot be guaranteed, Klarna may then refuse the option Ratenkauf but must refer to alternative payment options.
Your personal information will be treated in accordance with the applicable data protection legislation and will not be disclosed to third parties for advertising purposes. Klarna uses your personal data in the context of the services offered to perform a credit and identity verification as well as for internal analysis. For more information visit www.klarna.de and Klarnas Data Protection Statement.
You can read the terms and conditions here. The Standard European Consumer Credit Information can be found here.
Download this information.