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Klarna

What are Klarna's Terms? Loan Amount: Up to $10k Term Length: Up to 24 Months

APR: 0%-29.99% Application Time: 5-8 Minutes Pre-Payment Penalties? No Pre-Payment Penalties

$0 Down Financing? Can be $0 Down Financing IF there is NO Deposit Needed

Klarna Support:

844-552-7621⁠

- Klarna Support Line open 24/7

Step 1: Log into Cope Cart - Hover Over Correct Product → Click Phone Offer

(To change product amount → Go to: One time payment → Change amount)

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Step 2: Get Address Data (Client Address) You Fill Out This Part

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Step 3: Click on Send Form for Payments

DO NOT SELECT “Fill Buyers Payment Method” DO NOT

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Step 4: Select the Klarna & Affirm → Confirm

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Step 5: Take Link and SEND to Client They Must use their OWN devices

DO NOT FILL OUT THE ACTUAL APPLICATION FOR THE CLIENT - They must be using their own devices or you will run into ID Verification Issues since they use cookies. Best Practice: Don’t use spouses phone/computer to apply

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Step 6: Walking Client Through Application

Have them fill out their phone number & insert the verification code

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Step 7: Client Enters Email

Have them fill out their email & insert the verification code

Step 8: Client Confirms/Adds Their DOB, Name, Address

Try to get client to use information that is on public records/driver license

Step 9: Pick a Plan / Term

THIS IS NOT WHAT THEY ARE APPROVED FOR!!!! We don't know if they're qualified at this point. This part is essentially just to get client to pick term length. Let client know this is not what they are approved for - this is just to select the term length!

(Have them choose the longest term length for lower monthly)

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Step 10: Client Enters a Debit Card/Banking Information

NOTE: If client uses a credit union - it may not be able to verify since ‘PLAID’ has a hard time processing credit unions. If client uses a MAJOR BANK - It should verify

Step 11: Client Enters SSN

Step 12: Their plan appears with APR % THIS IS WHEN YOU KNOW THEY ARE APPROVED

→ IF it requires a down payment today (if needed) - you can reduce the ticket amount to reduce the down payment (ex: 2500 down for 10k Klarna - lower ticket amount to $7500 and re-run application if willing to accept a lower amount.

→ IF it says "try different payment option" or it says "order total too high" which we then knock down a couple thousand and retry process if willing to accept a lower amount.

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Step 13: Once Completed - Confirm Transaction is Complete

→ Go to ‘Transactions’ Tab on Cope Cart Portal

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You might have to wait 3-5 minutes before it populates.. BUT, you will see Order ID - Click on most recent transaction & see if the information alligns

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