Not necessarily. Klarna reviews your credit profile and order history to determine:

• If you're approved
• Which payment plans you can use
• The maximum amount you can finance

Some customers see all payment options. Some see fewer options. Some may not qualify at all.

We don't control this process, Klarna makes all approval decisions.

Yes, but it depends on which payment option you choose:

Soft credit check (doesn't affect your credit score):

• Pay in 3 or 4 installments
• Pay later options
• Monthly financing plans

Klarna uses this to verify your identity and review your financial behavior. It won't hurt your credit score.

Hard credit check (may affect your credit score):

• Longer-term financing options (in some cases)

Klarna will let you know if a hard credit check is required before you complete checkout.

No. Klarna is only available to customers in the same country where our business is registered.

Since we're registered in the United States, you must be a U.S. resident to use Klarna.

If you try to use Klarna from outside the U.S., the transaction won't go through.

Good news: Missing a payment doesn't affect your enrollment in the golf school. You're still registered, and we'll see you at your session.

What happens next: Klarna manages all payment collections independently. If you miss a payment:

• Klarna will contact you directly
• Late fees may apply (determined by Klarna)
• Your credit may be affected if payments remain unpaid

For more details, visit Klarna's help page: What happens if I can't pay on time?

We don't get involved in missed payments, that's between you and Klarna.

Yes! You can pay off your Klarna balance early without penalty.

Log in to your Klarna account to make an early payment or pay off the full remaining balance.

It depends on the payment plan you choose.

Interest-free options:

• Pay in 4 (sometimes available for smaller purchases)
• Short-term pay later options

Plans with interest:

• Monthly financing (3-36 months typically has 13.99% APR)
• The longer your payment plan, the more interest you'll pay

Klarna shows you the total cost (including interest) before you finalize your payment plan.

Absolutely. Payment plans are optional.

If you prefer to pay the full $4,495 upfront with no interest, choose the regular credit card payment option at checkout instead of Klarna.

This can happen for a few reasons:

1. You're outside the United States - Klarna only works for U.S. customers registering with U.S.-based businesses
2. The purchase amount exceeds Klarna's maximum - Klarna has financing limits that vary by customer
3. Technical issue - Try refreshing the page or using a different browser

If Klarna still doesn't appear and you believe it should, email us at [email protected].

Yes. Klarna uses bank-level encryption to protect your financial information.

When you're redirected to Klarna during checkout, you're on Klarna's secure site. We never see or store your Klarna payment details.

Payment plan changes are handled directly through Klarna, not through us.

Log in to your Klarna account or contact Klarna's customer service to discuss your options.

Klarna customer service: www.klarna.com/us/customer-service/

Our standard cancellation policy applies regardless of how you paid:

• 30+ days before: Full refund minus 3% processing fee
• 14-27 days before: 50% refund
• Less than 14 days: No refund

If you paid with Klarna and receive a refund, Klarna will adjust your payment plan accordingly. You'll only pay for the amount you're keeping (if any).

For cancellation questions, email [email protected].

Not at all.

Whether you pay in full or use Klarna, you're treated exactly the same:

• Same enrollment process
• Same pre-event communication
• Same instruction and support at the golf school
• Same post-event follow-up

The only difference is how you pay.