Edited: November 26, 2024
What is Klarna?
Klarna is a financing alternative to credit cards and other credit-payment products. On Cricut shopping sites, Klarna offers instant financing for online purchases to be paid in fixed installments.
Note: Klarna financing is currently available on Cricut.com shopping sites in the US, France, Germany, Ireland, and the United Kingdom. Installment periods and other Terms and Conditions may vary by region.
Select a link below for more information about using Klarna to finance your Cricut purchase.
General FAQ
Who can use Klarna?
To be eligible to use Klarna, you must:
- Be at least 18
- Have a valid card/bank account
- Have a positive credit history
- Be able to receive verification codes via text
Has Klarna received my payment?
Klarna will send an email confirmation for all completed payments. You can also call or live chat with Klarna’s customer service agents 24/7 to confirm payment.
Can I pay before the due date?
Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”
Klarna is always here to help!
Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/customer-service/ or by downloading the Klarna app.
Is shopping with Klarna safe?
The highest security standards are used to protect your data and personal information.
- All payment information is processed securely
- No details are transferred to or held by Cricut
- All transactions take place via secured connections following strict security protocols
- You can remove your linked bank account or card at any time
If you want to know more about the way Klarna handles your personal information, please read Klarna's Privacy Policy.
See Klarna’s Cookie Policy for information about how they use cookies and your ability to choose how to use them.
Can I pay off my balance early?
Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna app.
If there’s an issue with my order, do I still need to pay for it?
No, you do not need to pay for items that you did not order, are faulty, or broken. Please contact Cricut Member Care to let them know you had an issue with the order and they’ll assist you.
Pay in 3 or Pay in 4
What are Pay in 3 and Pay in 4 and how do they work?
Pay in 3 and Pay in 4 allow you to split your purchase into 3 or 4 interest-free payments respectively, paid at regular intervals. Once your items are in your cart, just choose Klarna at checkout. The first payment will be taken from your credit card, debit card, or bank account when your order is shipped. The remaining payments will be automatically charged at regular intervals afterward.
Note: Pay in 3 is offered on Cricut.com in the United Kingdom, Ireland, Germany, and France. Pay in 4 is offered on Cricut.com in the U.S.
Which payment methods are accepted?
Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted.
Where can I Pay in 3 or Pay in 4 with Klarna?
Pay in 3 is currently offered on Cricut.com in the United Kingdom, Ireland, Germany, and France.
Pay in 4 is currently offered on Cricut.com in all US states, except for New Mexico, Hawaii and US Territories (excluding Puerto Rico).
What happens if I don’t pay for my order?
Klarna’s terms and conditions may vary by region. See Klarna’s customer service site for more details on your region.
Fair Financing
What is Financing and how does it work?
Financing allows you to spread the cost of your purchase over an extended period.
How to finance your purchase:
- Select the Financing option in the store’s checkout
- Choose your preferred timeline and interest rate
- Follow the steps to complete the application
- Get an instant approval decision
- Complete your purchase
You’ll receive an email with your payment plan when the store ships your order.
Please note: A credit check will be performed when you apply for Klarna’s Financing options.
Which payment methods are accepted?
Klarna currently accepts debit cards as a form of payment when checking out with Financing. Subsequent payments (including autopay) can be made via checking account.
Will this require a credit check and will it impact my credit score?
Klarna does not always perform a credit check on you, nevertheless, as a responsible lender, Klarna makes sure they’re helping customers make the right financial decisions for their circumstances. When a credit check is performed, Klarna verifies your identity using the details you provided and looks at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
Klarna will not perform a credit check on you when:
- Signing up to use Klarna
- Downloading the app
Klarna will perform a soft credit check when:
- Deciding to Pay in 4
- Deciding to Pay in 30 days
- Applying for Financing
Read more about how these credit checks impact your credit score.
Klarna’s third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check Klarna advises you to reach out to Transunion directly.
These checks are performed in accordance with Klarna’s Terms & Conditions.
Where is Klarna Financing available?
Klarna Financing is currently available in all the United States, except for online and in-store shoppers residing in West Virginia and Massachusetts. Klarna is available in Puerto Rico, but not in other US Territories.
Klarna is also available in Germany.
Pay in 30 days
What is Pay in 30 days and how does it work?
Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay with no fees when you pay on time. In the Klarna app, you’ll have the option to pay off the balance earlier or extend the due date to a later date, if needed.
If your order is eligible for ‘Pay in 30 days’, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable in the Klarna App.
Good to know: There is no fee to use Pay in 30 days.
Will this require a credit check and will it impact my credit score?
Klarna may perform a soft credit check when you apply for Pay in 30 days. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Which payment methods are accepted?
Klarna currently accepts debit and credit cards as a form of payment when checking out with Pay in 30 days.
Where is Pay in 30 days available?
Pay in 30 days is available on Cricut.com to customers in the United Kingdom, Germany, and France.
UK Disclosure
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Terms & Conditions and late fees apply.
US Disclosure
Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license.