Klarna | Pay your way

Name: Klarna | Pay your way
Rating: 4.9 (1739948 reviews)
Author: Klarna Bank AB

Shop anywhere, manage & save

Only for iPhone

Free

1.7M Ratings
Ages

4+
Years
Category

Shopping
Developer

Klarna Bank AB
Language

EN
+ 15 More
Size

305
MB

iPhone

FLEXIBLE WAYS TO PAY Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP ANYWHERE IN THE KLARNA APP Access Klarna's flexible payment options anywhere - shop at your favorite stores and split your purchase with the payment plan that suits you. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.² Get cashback at hundreds of stores in the app. SHOP WITH THE KLARNA CARD³ Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply. UNLOCK YOUR KLARNA BALANCE 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.⁴ USE KLARNA WITH APPLE PAY Split the cost with Klarna on Apple Pay, available in-store and online.⁵ 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 right in the app. We’ll pause your purchase so you don’t have to pay in the meantime. TRACK ALL YOUR DELIVERIES Get real-time updates, arrival times, and pickup photos—right in the Klarna app. 24/7 CUSTOMER SERVICE Use our chat in the Klarna app 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. ²Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply. 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 not insured by the FDIC and are not deposits. Account disclosures. Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan. ⁴Terms and Conditions apply to gift certificates/gift cards like Klarna Balance. ⁵Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

Ratings & Reviews

4.9

out of 5

1.7M Ratings

Great Option for Rebuilding Credit
Apr 12

regets66
The first time I used Klarna I was a bit hesitant because I was unsure how legit the company was, but after some research, I started with a small purchase amount and it was very simple process to do for checking out,and as you continue making automatic payments on time your purchase lending amount goes up, needless to say, after 1 year of using this site my credit score has gone up quite a bit, and so has my purchasing power, not to mention that by making my payments on time and you also have the option to pay off your total early, but you don’t have too, I have been able to get purchasing credit thru similar sites such as Affirm and Autopay, I even was able to get a rebuilding credit card, due to my zillion dollar debt in medical bills I’ve struggled with my credit, but this site has helped SO MUCH with letting me rebuild my credit score and have an option to make larger purchases and pay them off a little at a time, they also have the option upon maintaining good payments to postpone one payment, you can not use this option all the time, but it’s useful if you need it :) So I highly recommend giving them a try, start with a small purchase to see if it works for your budget :) happy shopping :)
Great Option for Rebuilding Credit
Apr 12

regets66

The first time I used Klarna I was a bit hesitant because I was unsure how legit the company was, but after some research, I started with a small purchase amount and it was very simple process to do for checking out,and as you continue making automatic payments on time your purchase lending amount goes up, needless to say, after 1 year of using this site my credit score has gone up quite a bit, and so has my purchasing power, not to mention that by making my payments on time and you also have the option to pay off your total early, but you don’t have too, I have been able to get purchasing credit thru similar sites such as Affirm and Autopay, I even was able to get a rebuilding credit card, due to my zillion dollar debt in medical bills I’ve struggled with my credit, but this site has helped SO MUCH with letting me rebuild my credit score and have an option to make larger purchases and pay them off a little at a time, they also have the option upon maintaining good payments to postpone one payment, you can not use this option all the time, but it’s useful if you need it :) So I highly recommend giving them a try, start with a small purchase to see if it works for your budget :) happy shopping :)
Wrong direction
04/10/2023

ATX User-T
I just received an email telling me my spending power has been reduced due to the lack of activity in the last 12 months. I find this interesting, as, instead of sending out a survey to understand why, or just read the commonality amongst the people in the reviews here, this is how Klarna chooses to go about it. Yet, like so many others have stated, having to “gamble” on if the purchase is going to go through or not is too much of a headache. And now, when my purchases are declined, I don’t even bother trying to reduce my cart, I just move to another service. A service in which I got long after Klarna, and have used far less, yet however has increased to 3x the amount of spending power I have now with Klarna. And honestly, if that service allowed purchases to be made anywhere, I would’ve been closed my Klarna account. And yes, I have read the Dev responses in here stating having to decide/limit the lending that can be offered. I find this as a poor response as I am sure that at the major growth of the company, there were so many of us spending, which of course resulted in the increased spending power we all have…. Or had. I think since the release of the Klarna card, which I do also have, there’s been too many (wrong) things put in place, or too many things that made Klarna awesome, taken away. If my assumption is correct, maybe rethink the card, Klarna. The service boomed before it. The people may be happier without it.
Wrong direction
04/10/2023

ATX User-T

I just received an email telling me my spending power has been reduced due to the lack of activity in the last 12 months. I find this interesting, as, instead of sending out a survey to understand why, or just read the commonality amongst the people in the reviews here, this is how Klarna chooses to go about it. Yet, like so many others have stated, having to “gamble” on if the purchase is going to go through or not is too much of a headache. And now, when my purchases are declined, I don’t even bother trying to reduce my cart, I just move to another service. A service in which I got long after Klarna, and have used far less, yet however has increased to 3x the amount of spending power I have now with Klarna. And honestly, if that service allowed purchases to be made anywhere, I would’ve been closed my Klarna account. And yes, I have read the Dev responses in here stating having to decide/limit the lending that can be offered. I find this as a poor response as I am sure that at the major growth of the company, there were so many of us spending, which of course resulted in the increased spending power we all have…. Or had. I think since the release of the Klarna card, which I do also have, there’s been too many (wrong) things put in place, or too many things that made Klarna awesome, taken away. If my assumption is correct, maybe rethink the card, Klarna. The service boomed before it. The people may be happier without it.
Rewards & Minimum Amount of Purchases
03/02/2023

kevinlevin2k
I’ve been using Klarna for years and only god knows how many times I done used Klarna for past purchases! Used it countless things & countless times. Bills, clothes, grocery shopping, plane tickets, shoes, anything you can probably think of I did it! Klarna was in my Top 5 most used apps! However, recently things changed. I had rewards lined up and finally chose one that was expiring. I chose the reward to be a $5 Nike reward. Coming to find out, the reward isn’t a gift card anymore & I have to spend at least $20 for my order to use my reward. In the past, I could just my $5 reward anytime without extra stipulation.The minimum purchases I noticed changed too lately. It was previously at least $10 but now it’s $35+. I recently found out by wanting to get some slip resistant shoes from Walmart. I was completing the transaction creating my One Time card and then I seen the $35+ minimum purchase warning. I was shockingly disappointed/upset. I can’t even tell you how many transactions I overall had that was overall below $35. To be honest, I sometimes I would have the money for the full total but I would choose to use Klarna just because. I often just use Klarna and use the remaining money elsewhere if all that make sense

Developer Response
Hi there, we are sorry to hear that your experience with Klarna fell short of expectations - we absolutely want to make this right. If you could get in touch with us via phone 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.
Rewards & Minimum Amount of Purchases
03/02/2023

kevinlevin2k

I’ve been using Klarna for years and only god knows how many times I done used Klarna for past purchases! Used it countless things & countless times. Bills, clothes, grocery shopping, plane tickets, shoes, anything you can probably think of I did it! Klarna was in my Top 5 most used apps! However, recently things changed. I had rewards lined up and finally chose one that was expiring. I chose the reward to be a $5 Nike reward. Coming to find out, the reward isn’t a gift card anymore & I have to spend at least $20 for my order to use my reward. In the past, I could just my $5 reward anytime without extra stipulation.The minimum purchases I noticed changed too lately. It was previously at least $10 but now it’s $35+. I recently found out by wanting to get some slip resistant shoes from Walmart. I was completing the transaction creating my One Time card and then I seen the $35+ minimum purchase warning. I was shockingly disappointed/upset. I can’t even tell you how many transactions I overall had that was overall below $35. To be honest, I sometimes I would have the money for the full total but I would choose to use Klarna just because. I often just use Klarna and use the remaining money elsewhere if all that make sense
Developer Response 03/03/2023
Hi there, we are sorry to hear that your experience with Klarna fell short of expectations - we absolutely want to make this right. If you could get in touch with us via phone 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.
Waste of time
06/22/2021

kts771
This would be a cool app if it would actually work. When it does work, it’s awesome, I’m able to make larger purchases and either pay every two weeks or spread the payments out over 6 months. Here’s the issue, the app will work seamlessly then out of nowhere it won’t. I will attempt to make a purchase and initially I’m told I’m approved, I agree to the terms and go to the next step where my ghost card should be created but then it isn’t. I get this weird message telling me that my identity cannot be verified, so I answer the security questions, receive confirmation that my identity has been verified just for the system to do it again and ultimately deny my purchase. This only happens with the 6 monthly payment option. Then for some reason, a lot of merchants have stopped accepting Klarna ghost cards. Two merchants in a row declined my purchase because I was attempting to make the purchase via Klarna, super weird. I would love for their app and system to be updated to prevent these types of scenarios from happening going forward. I understand that they cannot intervene and make companies accept their payment, but the issues with ghost card inconsistently working is ridiculous. I have Afterpay and have never had any issues. They let you know up front how much you’re eligible to spend and you’re easily able to make purchases as long as you stay within your limit.

Developer Response
Hello, we appreciate you taking the time to leave us feedback and are sorry you had a less than stellar experience with Klarna. We have a relentless focus on curating a fantastic customer experience with our service and apologize that we missed our mark during this interaction. We appreciate you giving us a second chance. In an attempt to reduce the risk of fraudulent or illegal activities being performed through our service, we do not accept pre-paid cards or online banking cards at this time. We are constantly working on ways to improve our service while also maintaining our customers safety, so we encourage you to come back again as we make adjustments. Have a wonderful rest of your week! /Chelsea
Waste of time
06/22/2021

kts771

This would be a cool app if it would actually work. When it does work, it’s awesome, I’m able to make larger purchases and either pay every two weeks or spread the payments out over 6 months. Here’s the issue, the app will work seamlessly then out of nowhere it won’t. I will attempt to make a purchase and initially I’m told I’m approved, I agree to the terms and go to the next step where my ghost card should be created but then it isn’t. I get this weird message telling me that my identity cannot be verified, so I answer the security questions, receive confirmation that my identity has been verified just for the system to do it again and ultimately deny my purchase. This only happens with the 6 monthly payment option. Then for some reason, a lot of merchants have stopped accepting Klarna ghost cards. Two merchants in a row declined my purchase because I was attempting to make the purchase via Klarna, super weird. I would love for their app and system to be updated to prevent these types of scenarios from happening going forward. I understand that they cannot intervene and make companies accept their payment, but the issues with ghost card inconsistently working is ridiculous. I have Afterpay and have never had any issues. They let you know up front how much you’re eligible to spend and you’re easily able to make purchases as long as you stay within your limit.
Developer Response 10/16/2019
Hello, we appreciate you taking the time to leave us feedback and are sorry you had a less than stellar experience with Klarna. We have a relentless focus on curating a fantastic customer experience with our service and apologize that we missed our mark during this interaction. We appreciate you giving us a second chance. In an attempt to reduce the risk of fraudulent or illegal activities being performed through our service, we do not accept pre-paid cards or online banking cards at this time. We are constantly working on ways to improve our service while also maintaining our customers safety, so we encourage you to come back again as we make adjustments. Have a wonderful rest of your week! /Chelsea

The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.

Version 25.45.294

2d ago

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

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The simplest way to get all your passes in one place.

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Klarna | Pay your way

Shop anywhere, manage & save

Ratings & Reviews

What’s New

Version 25.45.294

App Privacy

Data Used to Track You

Data Linked to You

Accessibility

Information

Supports

Wallet

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