Payment is due 30 days after the item is shipped. To help you pay on time, Klarna alert you two days before payment is due – you'll receive a push notification from the Klarna app or email reminders to pay – and, if very late, Klarna also send you a text or letter, too. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 30 days’ product even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.