Klarna assesses eligibility for payment options based on creditworthiness, income, and payment history. Pay in 4 and Pay 30 options may be available to those with lower credit scores, while financing may require a better credit score. Klarna may perform a credit check, which can impact your credit score. Review terms and conditions and consider fees or interest for late or missed payments. If you're unsure about eligibility or have questions, contact Klarna's customer support.