Advertiser & Lending Disclosure

Effective date: January 1, 2026

Who We Are

Klarna Financing (operating at klarnafinancing.com) is an independent, advertising-supported personal loan matching service. We are not a lender, bank, credit union, or financial institution. We do not originate, underwrite, fund, or service personal loans. We connect borrowers with third-party lenders who offer personal loans from $500 to $5,000.

How We Make Money

Klarna Financing receives compensation from lenders in our network when a borrower successfully completes a loan origination through a lender matched through our platform. The amount of compensation varies by lender and may be influenced by loan amount, credit tier, or product type.

This compensation model means we have a financial interest in borrowers completing loan originations. However, we maintain editorial independence in how we present lender information and matching results. Our goal is to present the lenders most likely to serve your specific financial profile, not to maximize our own compensation from any single lender.

Effect on Lender Presentation

The compensation we receive from lenders may influence how and where lenders appear in our matching results and comparison pages. Not all lenders in the US personal loan market are included in our network. Those that are included have agreed to our participation terms and are subject to our lender evaluation process.

We do not guarantee that the offers presented represent the best possible terms available to you in the market. You are encouraged to compare offers from multiple sources before making a final borrowing decision.

Not a Lender

Klarna Financing is not a lender and does not make credit decisions. All lending decisions — approvals, denials, rate determinations, and loan terms — are made by the lenders in our network based on their own underwriting criteria. We have no control over the rates, fees, or terms that individual lenders offer.

Rates and Representative Examples

All rates, APR ranges, and representative examples shown on this website are illustrative and based on general market conditions. Actual rates depend on your individual creditworthiness, income, existing obligations, the specific lender, and other factors. No rate shown constitutes a commitment or guarantee from any lender. Always review the full loan agreement before signing.

Soft Credit Inquiry

The initial matching process uses a soft credit inquiry that does not affect your credit score. If you choose to proceed with a specific lender after receiving matched offers, that lender may perform a hard credit inquiry as part of their formal underwriting process. You will be notified of this before it occurs.

Contact Us About This Disclosure

If you have questions about this disclosure or our compensation arrangements, please contact us at [email protected] or by phone at 888-718-9057.