FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days or with financing.¹
¹ UK: Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
¹ Ireland: Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply. https://www.klarna.com/ie/terms-and-conditions/.
SHOP WITH THE KLARNA CARD
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply. Unlock exclusive benefits with a membership.²
² UK: Service fee or a paid membership required to access Klarna Card Pay Later plans. Pay in 3 loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
² UK & Ireland: Paid membership required for Klarna Card. A one-time plastic card fee applies. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback. Klarna Membership Terms apply. Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.
UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback. Get cashback at hundreds of stores in the app.³
³ Klarna 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.
UK: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/cashback
Ireland: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-IE/cashback
UNLOCK YOUR KLARNA BALANCE
Add money to your balance and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback as a credit in your balance.⁴
⁴ Ireland: Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here: https://www.riksgalden.se/en/our-operations/deposit-insurance.
USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.
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 app for 24/7 support.
I loved Klarna’s flexibility the freedom to borrow till your next pay day worked super, however this isn’t the case. After clearing all borrowed, my borrowing power never increased at all. Still till this day I have cleared the lot and nothing is available. Contacted customer support advised everyone’s been decreased and to wait 72Hrs, none of which makes sense to me personally. I strongly believe people should be judged on there repaying history with a company not a credit score you haven’t got if you’ve never had credit in the first place. Meaning if I’ve never had credit with anyone before how would I have a good credit-score if there’s no record of my history in the beginning. I was hoping my time being a customer with Klarna they’d have reviewed my history and reported accordingly to the credit agency’s but nothings been documented. It feels as tho after being a loyal customer in reward I’ve been f*Over at the most important time of the year. I’m not an anger person nor do I hold any grudges towards Klarna as they did work in my favour however a bit of positive feedback of what kind of customer I was to my credit reference agency would have been much appreciated
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 to determine a limit, which is intended to help us lend as responsibly as we can.
Advice, be cautious with Klarna credit card!
MDJ8
Absolutely love Klarna have used it for a few years now the flexibility of three monthly payments has been a brilliant opportunity to get what is needed and plan ahead.However, I really need to make it clear that when I was offered a credit card by Klarna, I thought it would be useful to have if needed, and understood that I still had three monthly payments as an option at point of purchase. Things started to become very complicated. As the credit card dominated any other flexible payment options that I had previous only ever had known and used. That turned all those possibilities into 30day payments, and before long I had bogged myself down, and was now dealing with a very different beast. I am now in the process over a few days of having everything under control to having nothing under control.I personally would not have the credit card aspect as it is not flexible as I believed it was meant to be when I took it on, and also as a word of caution do not allow auto payment set up because once you agree to this you are stuck with one date to pay your bill, whereas if you remember to pay it which I do usually early, then you have control of your account particularly with the three payment options under their original system.I think, maybe they’re getting a little ahead of themselves as a company, and have suddenly turned into a financial monster, and an unregulated one at that.
Used to be good, now it's just frustrating.
KSanders39
I have been using Klarna for approximately 3 months and at first I was really impressed with the whole experience of using klarna. I found the pay in 3 option to be especially useful. For some reason the UK version of Klarna doesn't tell you what your purchase power is but after 6 weeks or so my orders using pay in 3 was getting close to £2000 in total. So I decided to pay a lot of them off early and got my amount owing to around £1200 and now I owe just over £1000. I have never missed any payments and have a good credit score and I would have liked to think that I had built up a good relationship with klarna by paying on time or very often paying early. But for some reason Klarna now refuses me every time I try to use pay in 3 and I haven't been able to pay in 3 since when I had £2000 owing. So even though I've never missed any payments or paid late, and I've paid off approx £1000 in the last 2 weeks and have a good credit score and been a good customer to klarna. They don't seem to want me as a customer anymore. What's more frustrating is the fact that on the UK klarna doesn't display your purchasing power and the customer service advisors give worse responses to your questions that the AI bot does in the automated chat. The bot is pretty impressive to be fair but the human advisors are clueless..
Developer Response
Hi, thank you for your review. We completely understand how frustrating it can be when declined for an order. Each purchase attempt is susceptible to an eligibility assessment and we, sadly, cannot guarantee that you are accepted. You can find out more info on why you might have been declined, plus tips on how to increase your chances of approval in the future in the link below: https://www.klarna.com/uk/customer-service/why-was-i-declined-by-klarna/ We'd also like to highlight that each purchase decision is completely independent from another, meaning that not all future purchases will be declined too. We apologise for any inconvenience caused. Thanks / The Review Team @ Klarna.
Useful and gets results, particularly for refunds
Houzz-lover
I rarely write a review but felt I had to in this case. I love the the Klarna app and being able to see and manage my purchases and payments with ease. I think their returns function which allows you to pause payments whilst returns are being processed is a brilliant idea. What has impressed me most though was their help in getting a refund from a particular retailer that I ordered from but for which goods never arrived, yet payment was taken for. I tried all avenues to contact said retailer for months (of which there were few and totally useless as you couldn’t speak to a human being direct. It was all chatbot so their stock answers didn’t help). I eventually realised I could raise an issue through Klarna. I didn’t expect any results as months had passed and it was outside of returns period for the retailer (it was lockdown so I had given the retailer time to get the goods to me before pursuing) yet I got a full refund processed for me via Klarna very quickly. Well done Klarna! Given the option, I always pay through Klarna now as I feel my purchases are more protected, as well as being able to benefit from all the useful features of its app.
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 26.24.258
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 based, for example, 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
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
