Does Klarna perform a credit check?

When you choose to pay in 4 interest-free installments, pay through in-app shopping, or pay later in 30 days, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as an inquiry on your credit report. When you submit an application for monthly financing, a credit check will be performed during which Klarna will contact the credit bureaus. This will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.