Klarna secured a massive 6.5 billion loan facility, marking one of its most significant financing deals as the fintech giant accelerates its expansion into the U.S. payments and lending market. The loan, arranged with major global funds, strengthens Klarna’s liquidity position and supports its shift toward profitability after years of aggressive growth. This capital gives the company more firepower to scale its services, improve underwriting, and deepen partnerships with retailers at a time when competition in “buy now, pay later” is heating up. The size of the deal also signals strong lender confidence in Klarna’s long-term business model and customer acquisition strategy.

The funding arrives as Klarna pushes for greater market share in the U.S., where demand for flexible credit options continues to rise despite tighter financial conditions. With higher borrowing costs affecting consumer behavior, the company is positioning itself as a more disciplined, tech-driven alternative to traditional credit cards. Executives emphasized that the financing will be used to optimize operations, expand product offerings, and enhance risk management tools, all while maintaining Klarna’s rapid growth trajectory. As regulatory scrutiny increases in the BNPL sector, having robust capital backing strengthens its ability to navigate evolving compliance requirements.