Credit Building > Can Klarna Send Debt Collectors After You? Your Complete Guide

Can Klarna Send Debt Collectors After You? Your Complete Guide

Wollit Team1 minute read · Updated 18th February 2025

If you've missed payments on your Klarna purchases, you might be wondering whether Klarna can send debt collectors after you. The short answer is yes - Klarna can and does use debt collection agencies to recover unpaid debts. Here's what you need to know about the process and your options.

How Does Klarna Debt Collection Work?

The path to debt collection with Klarna usually starts with a simple missed payment. When this happens, Klarna will first attempt to take the payment again. If this second attempt fails, they may add late fees to your account, making the total amount you owe larger.

Klarna typically makes several attempts to collect the debt directly before taking further action. However, if these attempts are unsuccessful, they may eventually pass your debt to a collection agency. This is usually a last resort, but it's important to know it can happen.

What Are the Consequences of Klarna Debt Collection?

Having a debt sent to collections isn't just stressful - it can have serious long-term implications for your financial health. Your credit score may be significantly damaged, making it harder to get approved for credit cards, loans, or mortgages in the future. The collection agency may add their own fees, increasing the amount you owe, and in serious cases, they might even take legal action.

How to Avoid Klarna Debt Problems

The best way to handle Klarna debt is to prevent collection issues before they start. This means only using buy now, pay later for purchases you can genuinely afford, and keeping careful track of when payments are due. If you do find yourself struggling to make a payment, contact Klarna immediately - they may be able to work out a payment plan with you before the situation escalates to collections.

Making the Right Choice for Your Financial Future

When it comes to managing your finances and building credit, prevention is always better than cure. While Klarna and other buy now, pay later services might seem attractive in the moment, it's worth considering whether they're the best choice for your long-term financial health.