Klarna | Shop now. Pay later‪.‬ 4+

Useful and gets results, particularly for refunds

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.

Used to be good, now it's just frustrating.

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.
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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.

Klarna changed my life!

For years I was trapped in cycles of debt where when significant annual events such as Christmas, birthdays, buying school uniform would mean I had to use credit cards or overdrafts to be able to get through the month and It would take me the rest of the year paying it and the interest back. Last Christmas I used Klarna, which not only meant I could take advantage of things such the Black Friday deals as I had access to funds when they happened, but it meant I could spread the cost of Christmas over 3 months. It was genuinely life changing. For the first time in years, I have been able to end the cycle of debt I was in. Since then, if there’s been an unexpected expense or any of those annual financial stress points, Klarna has helped me to budget. And whilst that is all very worthy and the situation might not apply to others — on top of that, the range of shops seems limitless so I’ve always been able to find the stores I need. This is a genuine thank you to those at Klarna - you changed my life!