Klarna | Shop now. Pay later‪.‬ 4+

Easy shopping, easy payments

Klarna Bank AB

    • Free

iPhone Screenshots

Description

SHOP NOW. PAY LATER.
When you shop in the Klarna app, you can split the cost of your purchase from any online store into 4 smaller, interest-free payments. And it works just as easily in-store, with Apple Pay. So you can get what you love today and pay later.

NEW DEALS EVERY DAY.
Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a simple tap. And check back in tomorrow – we add new shopping offers all the time.

UNLOCK A $5 WELCOME REWARD.
Join Klarna’s rewards club and get rewarded for all your shopping. Sign up for free in the Klarna app and unlock a $5 welcome reward after just 1 complete payment.

TRACK ALL YOUR DELIVERIES.
Get live updates with delivery times, pickup codes, and even photos of a pickup point to help guide the way. So go ahead and follow that truck, from purchase to pick up in the Klarna app.

GET PRICE DROP ALERTS.
Save items in Collections and never pay full price again. Each time you save an item, an automatic price drop alert is set. That way, when the price drops you will know. You can also share your Collections with family and friends.

PERSONALIZED INSPIRATION.
In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping. It doesn’t matter if you love fashion, beauty, tech, or whatever – we’ve got something for you.

INCREASE YOUR SPENDING LIMIT.
The more you shop and pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock which allows you to spend more. And, you'll also gain access to even more exclusive deals and offers!

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.

MANAGE YOUR PAYMENTS.
Pay later without surprises. When you shop with Klarna, you get a complete overview of all your purchases and finances. And you can even make early payments or extend your due date.

INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through the Klarna app, you'll see your purchase just seconds after you place your order.

24/7 CUSTOMER SERVICE. Get round-the-clock service whenever you need it using our chat right in the Klarna app. Try smoooth shopping in the Klarna app. It’s shopping like a VIP. Without an annual fee.

// CA resident loans made or arranged pursuant to a California Financing Law license. //

What’s New

Version 22.26.177

Fixed some minor issues and improved the experience.

Problems? No problems. Chat with us in the app and we'll help you!

Ratings and Reviews

4.8 out of 5
671.3K Ratings

671.3K Ratings

Mamabear1415 ,

Great until they’re not

Let me start off by saying I love Klarna or used to. They were the og payment app for me. I have recommended them to everyone I know even though I also use affirm, quadpay, and after pay. I have been using Klarna for a few years now and have used their app more times than I can count. Seriously, I have had a million transactions through them. I have always had on time payments and most times paying stuff off early. For some reason lately they flat out won’t approve me for anything even though I have almost everything paid off through them so far. I have borrowed over a thousand from them in one transaction before but now they won’t even let me borrow two hundred. My credit score has significantly increased since I first started using them so that can’t be considered a factor in their decision. I should be able to borrow their max amount at this point since I’ve beyond built that trust with them but lately they seem to be treating me like I’ve never used their app before. I’m just beyond frustrated with the service I’ve been getting from them recently. I have started using affirm and quadpay instead. Even though I haven’t used those two near as much as Klarna they still give me a significant spending amount and I never have an issue with being approved for what I want. I wish Klarna would function the way they used to when I first started using their app. I don’t know what has changed but they’re starting to lose a lot of loyal customers because of it.

karahstarr ,

Waste of time

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

Dustin000 ,

Was good, then went bad.

I started off loving it. Was pretty easy to use, and even had a decent “purchase power”. Around 400$ish. Let’s you use it for all kinds of stuff online and even an option to pay in 6 months.
Where it went bad. Was one day I was browsing the store an noticed my purchase power dropped all the way to 78$. I was pretty taken back considering I was sure I paid every single payment ether on time of before. Which at this point I’ve been using them for months. I even got my purchase power up to 980$! Which to me was a pretty good accomplishment. I checked and reached to make sure everything was paid, even had the “your doing great” icon.
So I reached out to customer service which took forever. They said “our algorithm is based on several factors and even a dog credit pull and it’s probably just a glitch”. I was oh ok I’ll give it a couple days an see. Mind you when I first got Klarna my credit was around 610 It’s now at 685. Sadly it’s been 3 weeks and my purchase power is still 72$. I reached back out to customer service and told them I even had screech shots of my begging purchase power and my credit score then an now. But to no avail.

My thoughts about the app is that it works pretty good but it’s a pretty shady thing they do an honestly you shouldn’t waste your time on it.

Developer Response ,

Hi there, we can provide some clarity, though we understand this change will still be frustrating for some. We've recently updated our automatic decision process with credit history. Purchase Power is now reviewing each customer's credit history with a soft check to determine a limit, which is intended to help us lend as responsibly as we can. Please note that this will not impact your score in any way.

Events

App Privacy

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

Supports

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