*Ts&Cs apply. When you choose to pay in 4 interest-free instalments with Klarna, Klarna will perform a semi-hard credit check for the first attempt to fulfil the purchase. This semi-hard credit check will be visible on your credit report, but does not directly affect your credit score. It may still affect your ability to be eligible for credit at other parties, as they can see the credit inquiry on your report and may use it as a basis for their final decision.