Remember: you are legally responsible for the content of your marketing, including where and when to include credit marketing required disclosures. Please ensure you confer with your legal counsel.

Klarna’s credit products in Norway – Pay in 3, Pay in 30, and Financing (Term Loans) – are all regulated under Norwegian consumer credit law. This means any promotion or advertisement of these “Buy Now, Pay Later” or financing options must follow strict rules to protect consumers. The purpose of this guide is to help Klarna’s partner merchants advertise these payment options legally and effectively, in clear, practical language.

You’ll learn what information must be disclosed, what to do (and what not to do) in your ads, and how to adapt disclosures across channels. Remember that Norway’s Financial Supervisory Authority (Finanstilsynet) and Consumer Protection Authority closely monitor credit marketing, so following these rules is not just good practice – it’s required.

Products Covered: This guide covers all Klarna credit products in Norway: Pay in 30 days (faktura), Pay in 3 installments (del i 3), and financing (e.g. 6–36 month installment plans). Since all these offerings are considered consumer credit in Norway, every promotion – regardless of format or channel – triggers required disclosures. Whether you mention Klarna in an Instagram post, a website banner, or a print flyer, if it could encourage a customer to use a Klarna credit service, it must meet the requirements outlined here.

These regulations collectively aim to protect customers by ensuring clarity, transparency, and fairness in the marketing and use of consumer credit, fostering a healthier financial environment for all parties involved.

Advertising Klarna’s regulated credit products in Norway? Here’s what you need to know — and follow — to stay on the right side of the law:

Always Include Standard Credit Info

Every Klarna promotion — even for 0% interest offers — must include the following:

• APR (effective interest rate)
• Total credit amount
• Duration of credit
• Total cost
• Installment schedule Use a representative example that reflects typical customer terms.

💡 Pro tip: Klarna provides pre-approved disclosures for each product. Use them exactly as written to meet your legal obligations and stay compliant.

Don’t Mislead or Overpromise

Keep it fair, clear, and responsible:

• Don’t call it “free” if any fees apply.
• Don’t glamorize credit or encourage impulse spending.
• Never imply that credit is for everyone or easy to get.

Show Risks, Not Just Benefits

If you mention Klarna’s perks (like no interest or flexible payments), you must equally emphasize the repayment terms, APR, and costs. Don’t let benefits overshadow the legal disclosures.

Avoid Prohibited Claims

You must not highlight:

• Fast or easy access to credit
• Instant approval or low entry barriers
• Special rates or perks more prominently than the cost Disclosures must be as visible and impactful as your sales pitch.

Clearly Label It as Advertising

Whether it's a banner ad or influencer post, Klarna-related content must be clearly marked as an ad — with labels like “Reklame” or “Annonsørinnhold”. Make it obvious who’s behind the promotion.

Market Responsibly

• Never target under-18s.
• Be transparent about fees or late charges.
• Avoid exploiting financially vulnerable groups.

Finanstilsynet Enforcement

Norway’s Financial Supervisory Authority enforces these rules. Breaches can lead to take-downs, fines, or worse. Using Klarna’s pre-approved disclosures is the simplest way to stay safe and compliant.

Required Standard Disclosures (Norwegian and English)

Additional Disclosures for other Financing Term Lengths (Norwegian only).

12 Month Term Loan

• Betal med 12 avdrag med Klarna. Priseksempel: Et kjøp på 10 000 NOK betalt ned over 12 måneder med en gjeldende rente på 21.9 % har en effektiv rente (APR) på 21,90%. Totalkostnaden beløper seg til 11 101.12 NOK. Dette inkluderer 11 betalinger på 926.19 NOK hver og en siste betaling på 913,04 NOK. Forskuddsbetaling kan være nødvendig. Dette gjelder kun for innbyggere i Norge over 18 år. Forutsetter godkjenning av Klarna. Minimum kjøpsbeløp er 250 NOK og maksimalt kjøpsbeløp er 150 000 NOK. Långiver: Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Org. nr.: 556737-0431. Se vilkår og andre betingelser på https://www.klarna.com/no/vilkar/.

24 Month Term Loan

• Betal med 24 avdrag med Klarna. Priseksempel: Et kjøp på 10 000 NOK betalt ned over 24 måneder med en gjeldende rente på 21.90 % har en effektiv rente (APR) på 21,90%. Totalkostnaden beløper seg til 12 195,15 NOK. Dette inkluderer 23 betalinger på 508,8 NOK hver og en siste betaling på 492,75 NOK. Forskuddsbetaling kan være nødvendig. Dette gjelder kun for innbyggere i Norge over 18 år. Forutsetter godkjenning av Klarna. Minimum kjøpsbeløp er 250 NOK og maksimalt kjøpsbeløp er 150 000 NOK. Långiver: Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Org. nr.: 556737-0431. Se vilkår og andre betingelser på https://www.klarna.com/no/vilkar/.

Promoting Klarna across different channels (social media, your website, email, print, etc.) requires adapting how you present the disclosures. Here are channel-by-channel tips to stay compliant:

• Website & E-commerce: On your website or app, where space is available, always display Klarna payment information alongside the product price or at checkout with the required disclosures. Use Klarna’s built-in On-Site Messaging widgets where possible, as they automatically show Klarna-approved messaging. For example, on a product page, you might have “Or split into 3 payments of 200 NOK with Klarna” and directly below it, in a smaller but clear font, “Kreditttid: 60 dager. 0 % årlig rente. Betalingsbetingelser.” Make sure the text is readable (don’t use light grey on white or other low-contrast designs). If you have a dedicated Klarna info page (sometimes called an educational page), link to it prominently (e.g. “Learn more about Klarna payment plans”) – ensure this page contains the full product terms, FAQs, and disclosures.
• Social Media Posts: Space is limited, but compliance still matters. In an Instagram or Facebook post, you should include at least a brief disclosure in the caption and/or on the image. Always tag posts as advertising (#reklame or #ad at the start) when applicable. If the full representative example is too long for a post, use an abbreviated disclosure in the post and then provide a clear way to get the full info – for instance, “See link in bio for terms”. That bio link can lead to your Klarna info landing page which contains all details. For example, if an Instagram post image says “New Spring Wardrobe? Buy now, pay in 30 days with @Klarna!” the caption could include: “Klarna Pay in 30 gives you 30 days to pay. 0% interest, no fees. Kreditttid: 30 dager. 0 % årlig rente. Betalingsbetingelser.” (Including the Norwegian disclosure text directly covers the requirement).
• Email Marketing: Subject lines and email content that promote Klarna need careful attention. If you send a newsletter saying “New offer: Furniture now, pay next month with Klarna!”, you must include the required disclosures within the email body – not just as a link. The reader shouldn’t have to click out to see the financing terms. Ideally, the first mention of the Klarna offer in the email is immediately followed by a brief disclosure. For example: “Pay in 30 days with Klarna – no interest or fees! (Kreditttid: 30 dager. 0 % årlig rente. Betalingsbetingelser.)” in the text. If the email is graphic-heavy, include the key terms in the image or a prominent footer. Do not hide it at the very bottom below lots of fine print; it should be near the call-to-action. Also, remember consent rules for email – only send marketing emails about Klarna to customers who have agreed to receive promos, and always include an unsubscribe linkfile-sgqzayzgbhawmadz3sjp57. The sender (“From”) name and subject should not mislead (don’t bait-and-switch; e.g., subject “Your order is ready” if it’s actually an ad for financing is not okay). Keep it honest: e.g., “Pay later option with Klarna – how it works” could be a clear subject.
• Printed Materials (In-Store, Flyers, Posters, Ads): Print ads must carry the same disclosures, just in print form. Because there’s no “link” in print, everything legally required has to be on the ad itself. Plan for space in your layout to include the representative example text. Ensure the font is readable (no micro-text). If using an asterisk (*) in the headline, make sure the corresponding asterisk text with terms is easy to find. Prominence is key: don’t tuck the terms in a corner in 6-point font. If your print piece can’t accommodate the required text, consider changing the format (e.g., use a larger flyer) or simplifying the offer. All necessary info must be in the consumer’s hand when they see the ad, or else the ad isn’t compliant.

In summary, across all channels, the formula is: clearly advertise it’s Klarna credit, include the required disclosure info prominently, and don’t let the medium be an excuse for non-compliance. Tailor the presentation to fit the channel, but the core content must always be there.