The following Financing Advertising Guidelines provide a general overview of the requirements you need to follow when advertising Klarna’s financing products offered in partnership with WebBank. Remember that it is also your responsibility to learn and understand the laws governing the advertising of financial products.

If you ever have any questions, please reach out to Klarna.

This Financing Advertising Guideline should be reviewed along with the BNPL Promotion Rules 101 page for the U

The following disclosures will need to be updated by April 22, 2025. See below for new disclosures.

Additional required disclosures for Financing

The following disclosures are required under TILA if you use “trigger terms” in your advertising for Klarna's financing product.

If your ad mentions monthly financing at all, the following disclosure is required to be included in the marketing materials.

• Disclosure: *Monthly financing through Klarna issued by WebBank.

If your ad mentions both Pay in 4 and/or Pay in 30 and monthly financing, the following disclosure is required to be included in the marketing materials:

• Disclosure: Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license.

If you list payment terms when referring to Klarna’s monthly financing products offered through Klarna’s partnership with WebBank, you need to understand the Truth-in-Lending Act. Please work with your legal and compliance teams to review the next sections carefully.

You have to disclose important terms of credit to a consumer when you advertise Klarna’s financing products offered in partnership with WebBank. When advertising the terms of this type of credit, advertisements can only state terms that are actually available. When you mention specific terms of credit (called “trigger terms”), TILA requires you to provide specific information about the terms of the financing. This is referred to as a "representative example" of what a real loan might look like. This helps consumers understand what they are agreeing to.

The following are examples of trigger terms. If you use these, you need to provide a representative example.

• The periodic payment amount (e.g., $60/every month).
• The number of payments or period of repayment (e.g., 6 payments or 6 months).
• The amount of interest.
• The amount or percentage of any down payment.

The following words aren’t trigger terms. If you use them without the above mentioned trigger terms, you don’t need to include a representative example.

• Klarna.
• Monthly payments.
• Pay over time
• Financing
• Term loan
• Pay later.
• Pay in 4.
• Pay in 30 days.

If you use a trigger term, you have to provide a (i) representative example and (ii) full disclosure to consumers.

A representative example shows what a typical loan looks like and needs to include the following information:

• Monthly payment.
• Number of months.
• Total payment/purchase price
• Amount of any down payment.
• Representative Annual percentage rate

The full disclosure provides consumers with all of the information that they need to make an informed decision about the financing offer. It includes:

• Available APRs
• Important conditions and limitations Klarna's financing products offered in partnership with WebBank
• A clear range of payments so consumers understand how APRs affect their monthly payment.

Klarna financing (term loan) representative example:

For the closed term loan financing product, we have approved the following in the representative example. Please place the representative example on the same creative as the trigger term—in close proximity, and in a similar font size.

• A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR.

Klarna financing (term loan) full disclosure:

You must also include the following full legal disclosure (1) on the asset, (2) at the bottom of the page connected with a signal, or (3) one click away.

• Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.

If you have any questions or are unsure, please reach out to your Klarna representative for advice. See "Basics of Disclosures" for more information on disclosure placements and signals.

​Emails with TILA trigger terms must include the full terms of repayment or a representative example in the email itself, not one click away. Please ensure that you have reviewed this Financing section and the legal disclosures table to ensure all appropriate disclosures are included.

• If the subject line has a trigger term, a representative example needs to be clear and conspicuous in the body of the email.
• The subject line and sender must be accurate and not misleading.
• If the body of the email has a trigger term, a representative example needs to be clear and conspicuous and near the trigger term.
• Marketing emails must comply with the CAN-SPAM requirements.

'''If your ads are in a Video and/or TV-spot
'''For any videos/TV spots that mention trigger terms, a representative example needs to be included.

• All other relevant legal disclosures must be made.
• Disclosures can be verbal or shown on screen.
• Disclosures must be legible to a reasonable person (8 pt. or larger).
• Introduction of disclosures: Be sure they’re introduced at the same time as or before the trigger term, with enough video left to keep it on screen for the required length of time.
• Disclosures can be over any visual as long as they’re visible at the bottom.
• Disclosures need to be based on a reading time of 3 words/second.