FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹
UP TO 10% CASHBACK²
Shop in the app and earn up to 10% cashback at hundreds of stores. Become a member and earn even more.
ONE MEMBERSHIP. ALL THE PERKS.³
Become a member and get the Klarna Card where you can pay flexibly anywhere Visa is accepted. Get cashback on every purchase, travel perks, free subscriptions and more.
UNLOCK YOUR KLARNA BALANCE³
Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.
SAVE WITH KLARNA⁴
Earn interest with our flexible savings account – free to get started and no monthly fees.
KLARNA MOBILE
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $35/month. No hassle, cancel anytime.⁶
FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.
HASSLE-FREE RETURNS
Need to send something back? Report a return and we’ll pause your payments.
24/7 CUSTOMER SERVICE
Use our chat for 24/7 support.
¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback
³Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures: klarna.com/us/legal/
Paid membership required for a physical card. A one-time plastic card fee applies.
Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply: klarna.com/us/legal/. See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.
⁶Cancel up to 24 hours before renewal in the Klarna app.
I’ve had Klarna for almost 2 years now, I started using when I moved out of my parents home sick with was starting from scratch. This app definitely helped buying some necessary stuff for my new place in instalments, but recently this dumb update just ruined everything they had going on for this once amazing app. One day I had almost $400 in purchase power until I didn’t, I had stopped using it for a bit as I hadn’t made any expensive purchases until recently I decided to make a purchase at Walmart and Sam’s for an approximate of $145, my purchase power went down to $200 out of nowhere. When I tried buying something for $25 it said I wasn’t approved and that I should try with a different cards. I tried all my cards but to no avail. Right now I paid off early my debt for Walmart, I have a purchase power of $269 and the only thing I owe is $10 for Sam’s and it’s not due until August 12. I tried buying a video game and I get the same annoying message saying I’m not approved and to try a different card!? What is the point of paying early and having such a high purchase power if this app is just not going to let you purchase anything!!!! It’s ridiculous!!!! *****Update***** I just made my last payment early and don’t owe anything. I tried buying a video game again and I’m getting declined! Honestly it’s such a shame and I’m extremely disappointed in how this app is being handled. I guess it’s unfortunately time to uninstall the app as its only taking up space at this point.
Developer Response
Hi, Klarna does not approve 100% of all orders and our aim is to support responsible, ethical, and sensible spending habits. For more information on how to get approved please follow the link: https://www.klarna.com/us/customer-service/why-cant-i-pay-with-klarna-anymore/
Stay away from KIARNA
Patriciagreenc
I have spend over $2000 using this app thru several online stores, until my real nightmare started trying to process a refund on an item that I never received from my merchant due to out stock. First of all, trying to navigate the app is super overwhelming and confusing with the amount of info and sales that want to push thru. Hoping to find a live person on the phone ? Good luck! That doesn’t exist in this company. You will have to stick to someone thru text messages and it seems that they are all programmed to answer with the same text line to conclude without any help and issues resolved at all. I have been trying to contact them to indicate that i shouldn’t be paying for an item that I have not received. And even tho the merchant already notified them about the verification of this transaction. They won’t take any action whatsoever, a month and 2 weeks has gone by and I still show an unpaid balance because of this matter. KIARNA sends me to the merchant and the merchant sends me to KIARNA. This is like a ping pong game, What a joke! I’m running out of resources trying to solve this ridiculous matter and I’m heavily thinking to pass it on to legal representation. Do yourself a favor and void stressful situations. I’m pretty sure your credit score is good enough that you don’tNeed to be going thru this app to make a purchase . At the end this could affect your credit score seriously by a mishandle situation, like mine.
Developer Response
Hi, we deeply saddened to hear this and we want apologize for the negative experience you've had as we do want to make things right. We can be reached by phone at (844)552-7621 M-F, 8 A.M. - 11 P.M. if you still need to speak with us so we can still assist you to ensure that your issue is resolved. We look forward to hearing from you to assist you. Take care, /The Review Team at Klarna
Tricked by their employees
kae girl
I use to love Klarna but once I finish paying off my items. I’m taking my business elsewhere. After finally getting approved to having a Klarna Card, the physical card was lost. I have been looking everywhere to call someone to get a replacement card. I finally got in contact with their customer representatives who told me to close the card and reapply. I really didn’t want to do that because for some strange reason Klarna takes forever and a day to approve your Klarna Card Application. So I had to bite the bullet and close it as advised by their employees. Now I’ve been waiting for months to be approved and I’m still on that annoying waitlist but to my surprise there is an option for a replacement card!!! So why was i advised to shut my account down if all you had to do was give me a replacement card WHICH IS WHAT I NEEDED IN THE FIRST PLACE!!!!!!!!!! I go on to speak to their representative today and was told that was wrong and there is nothing they can do I have to remain in the waitlist until I get approved. This is bogus. I love how Klarna gives the multiple options to buy now and pay things laters in installments but to be wrongly advised to close a perfectly good account is so messed up.Update!!!!I have called your company and I’m being told the same thing. Over and over again and even when I read them the policy you have on your website about getting a replacement card he still telling me that I have to reapply. I shouldn’t have had to reapply my account was perfect until your representatives wrongly advised me to close it down.
Developer Response
Hi there, we certainly understand your frustration with this experience - we absolutely want to make this right. Go ahead and give us a call at 18447422212 or chat with us via https://app.klarna.com/help-center, both are available 24/7. Someone from our team can review this case. Thanks!
Most retailers don’t accept this app! Beware!
Cdegra
So I was trying to purchase online groceries (I didn’t have enough money at the time) and I thought that this app would help. Now they ask that you connect your bank account information to collect install payments. OK no problem I submitted the information and quickly went online to start shopping for groceries. So the first website I went to was for Publix now the way how Klarna works is that they give you a virtual gift card (ghost card)to use as full payment for whatever you want to purchase and then you pay them back in biweekly installments. I filled up my cart with about 20 items and Publix went to check out with the gift card that Klarna gave me and it was declined! So I notified Klarna and let them know that it was declined so they let me know that I would have to get a new gift card because once the first one is declined it won’t work again, to make an extremely long story short I ended up making about 6 to 7 cards each time I attempted to process a payment with these cards they charged my bank account about $20 each time wiping out my bank account and all these different retailers are not excepting Klarna as a payment option, now I have to wait 7 to 10 business days to get my money back and never even received anything!
Developer Response
Hi!Thank you for sharing your experience and for giving feedback!We would like to investigate why the card was denied at your first attempt but also helping you further. Could you please send us an e-mail to hello@klarna.com? Thanks! /Elin
Shop anywhere and stay in control of your payments, all in one place. Approve purchases, track orders, and manage payments, all protected by Face ID and bank-grade security. Sign up for the card with a Klarna membership to earn maximum rewards and cashback. We've also made some minor updates and fixes.
Version 26.41.293
The developer, Klarna Bank AB, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Search History
Browsing History
Identifiers
Usage Data
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
