kathleen414 & bluemoonbaz I only found this out because as part of the KB editors group,one of the things we do is proof read any new help hub articles before they’re published and point out anything that’s missing or needs changing and part of what will be the new guide for buying a phone with a loan once Klarna take over says this:-
Does Klarna do a hard credit check?
Yes. Similar to all traditional finance providers, any giffgaff members interested in a long-term Klarna payment plan will require a hard credit check.
Also,as pointed out by kmichael Klarna’s own page on how things work says:-
Financing is dependent on a full credit check, a customer’s previous credit history, an affordability assessment, their age and several other factors, including at what time they placed their order. This credit check can influence a consumer’s credit rating.
So this is quite a big change that could impact a lot of potential buyers if they don’t have a decent credit score/history.