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Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

Easy shopping, easy payments

4.6 Ratings 601K+ Reviews 10M+ Downloads

Ratings & Reviews

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  • img Community

    Suddenly doesn’t know who I am May 7, 2021

    By Gavin Humphrey
    Tried to use this a few times and kept coming up sorry unable to authenticate you. Nothing changed I’m still me and my dob doesn’t change ??. Pretty useless app.
  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
  • AMAZING May 13, 2020

    By Samasdfghjkl
    I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗
  • Jun 19, 2021

    By Kelly Archuleta
    Ok so, I love klarna. It has helped in so many ways like getting through Christmas with my family of 11. It really is a great app. However, it seems everytime I go to redeem my rewards (when I need them) that part of the app crashes and say "oops something went wrong" when I'm just browsing and go to just check my rewards it opens just fine. So 80% of the time I can't view or redeem the rewards. Fix that issue and I'll give 5 stars.
  • Jun 5, 2021

    By always. KD
    Not gonna lie I was pretty skeptical about this app when I first heard of it a year or so ago... but I finally downloaded it when I needed to get an expensive birthday gift for someone and didnt want to see a large chunk of $ come out at once..so I signed up and Boom! I was Approved and made payments every 2weeks! Happy I tried it
  • Jun 11, 2021

    By Charles Johnson IV
    Great app! Awesome for for when you need a bit more time to pay. They offer various method of payment from biweekly to monthly, AND it's easy to use. 👍 Had a couple of issues with installing the last update, but after power cycling my phone a couple of times, and attempting to reinstall the app the following day, everything seems to now be running fine. Good stuff 💯
  • Jun 10, 2021

    By Lisa Alexander
    After updating the app isn't working so well like before. When tried to pay some bills and if you accidentally click pay on schedule, and would like to change it , couldn't work anymore. Sad. Before updating all is functions really super. Now you must really watch and be careful to choose payment if you don't sure when you gonna pay it. Please fix this problem. If the app function like before I will come back to give 5 star
  • Terrible App! Very poor or almost no customer service Sep 27, 2019

    By AngeloMalik
    I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.
  • Jun 10, 2021

    By Sarah Davison
    This is so easy to use and great app for if you want to treat yourself to a new outfit without breaking the bank. Tells you when and what payments wIll be taken at early stages of buying so you can mange your soending wisely. The apps could be set out in more of an order such alphabetically or clothing, homewares etc so are easier to find of you're searching for something in particular But great app would definitely recommend to friends and more well known stores are slowly being added too
  • Jun 12, 2021

    By Melynda McGee
    Klarna is a great way to do anything expensive! I use it a lot and I love it! They ship the product to you after your 1st PAYMENT!!! I also just learned, that they protect you from scammers. I just tried to buy something through Klarna that I found on Facebook and it wouldn't allow me to because it was a known scam. I love this app!!!!
  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
  • AMAZING May 13, 2020

    By Samasdfghjkl
    I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗
  • Jun 19, 2021

    By Kelly Archuleta
    Ok so, I love klarna. It has helped in so many ways like getting through Christmas with my family of 11. It really is a great app. However, it seems everytime I go to redeem my rewards (when I need them) that part of the app crashes and say "oops something went wrong" when I'm just browsing and go to just check my rewards it opens just fine. So 80% of the time I can't view or redeem the rewards. Fix that issue and I'll give 5 stars.
  • Jun 5, 2021

    By always. KD
    Not gonna lie I was pretty skeptical about this app when I first heard of it a year or so ago... but I finally downloaded it when I needed to get an expensive birthday gift for someone and didnt want to see a large chunk of $ come out at once..so I signed up and Boom! I was Approved and made payments every 2weeks! Happy I tried it
  • Jun 11, 2021

    By Charles Johnson IV
    Great app! Awesome for for when you need a bit more time to pay. They offer various method of payment from biweekly to monthly, AND it's easy to use. 👍 Had a couple of issues with installing the last update, but after power cycling my phone a couple of times, and attempting to reinstall the app the following day, everything seems to now be running fine. Good stuff 💯
  • Jun 10, 2021

    By Lisa Alexander
    After updating the app isn't working so well like before. When tried to pay some bills and if you accidentally click pay on schedule, and would like to change it , couldn't work anymore. Sad. Before updating all is functions really super. Now you must really watch and be careful to choose payment if you don't sure when you gonna pay it. Please fix this problem. If the app function like before I will come back to give 5 star
  • Terrible App! Very poor or almost no customer service Sep 27, 2019

    By AngeloMalik
    I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.
  • Jun 10, 2021

    By Sarah Davison
    This is so easy to use and great app for if you want to treat yourself to a new outfit without breaking the bank. Tells you when and what payments wIll be taken at early stages of buying so you can mange your soending wisely. The apps could be set out in more of an order such alphabetically or clothing, homewares etc so are easier to find of you're searching for something in particular But great app would definitely recommend to friends and more well known stores are slowly being added too
  • Jun 12, 2021

    By Melynda McGee
    Klarna is a great way to do anything expensive! I use it a lot and I love it! They ship the product to you after your 1st PAYMENT!!! I also just learned, that they protect you from scammers. I just tried to buy something through Klarna that I found on Facebook and it wouldn't allow me to because it was a known scam. I love this app!!!!
  • Jun 11, 2021

    By Jamie Woodard
    Works great until I was randomly told that I have past due payments, but the button to take you to correcting it doesn't go anywhere, doesn't tell you which payment didn't go through. Had to go through the 'my account' notifications one by one and manually pay early every order it mentioned didn't go through until the app worked again. Frustrating to say the least, I went weeks without using it., When I would have otherwise. I like the 2% back in rewards and gift cards though.
  • img Community

    Suddenly doesn’t know who I am May 7, 2021

    By Gavin Humphrey
    Tried to use this a few times and kept coming up sorry unable to authenticate you. Nothing changed I’m still me and my dob doesn’t change ??. Pretty useless app.
  • Jun 18, 2021

    By noel romero
    I attempted to make a total of 4 purchases. Two times I was denied because THEY ran into errors during checkout. The third time the purchase went through. I never received the product and it's been two months. They still tried charging me for the missing package. Now they denied me again because of the missing package not being paid. Four attempts and still no product. You be the judge.
  • Don’t bother wasting your time! Nov 14, 2019

    By Temptation_bri
    Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!
  • Jun 10, 2021

    By Louise Peacock
    I cannot update the app to the latest version, I have tried to reinstall it and that doesn't work either. App is no longer accepting my payment and I when I phoned customer service they were useless. They told me to check my address was correct and to check the electoral role, when told that I've lived in the same house for 17 years they refused to help telling me it was my fault and they cannot do anything for me. Rubbish do not bother using.
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
  • Jun 10, 2021

    By Melissa Sassmann
    App doesn't work anymore!!! I get a message that there is an update and to do the update. Click the update button I am directed to play store. Click "open" and it directs me back to the app with the update message. I uninstalled and reinstalled and same thing. Its just stuck! Can't even open the app at all.
  • Jun 10, 2021

    By Ashley Morrow
    Opened app and am told there is an updated version. Selecting "update" takes me to the Play Store where I can "uninstall" or "open". Choosing to open takes me back to "update". I restarted the phone, I forced stopped the app, and I have also unistalled/reinstalled to no avail. I would have quietly spoke to tech support regarding the issue. Unfortunately, because the app won't open, I had to write a review in hopes it gets attention.
  • This app used to be my fav Jan 20, 2020

    By LéShea14
    When I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭
  • Jun 7, 2021

    By Sham D
    Same issue as last week. They fixed it for one day. Confirm Loan page doesn't load and customer service is no help. Once a business starts to become a nuisance is the time to take my money elsewhere. Their site glitches, customer service is robotic and they couldn't care less. All I am asking for is an app that functions because you have fallen from a Top Tier company to an absolute nightmare to shop with. Basically there is no regard for customer concerns or complaints. Leaving Klarna for good.
  • This app is a good idea, when it actually works. Oct 13, 2019

    By The App Store Annoys Me
    I hate that this app doesn’t support pre-paid cards, cards that are through your work, certain banks, or simply denies your card for unknown reasons. My husband banks with Wells Fargo, Klarna does accept Wells Fargo but wouldn’t accept my husband’s card. We have more than enough money on the card but wanted to try Klarna out to separate the money because we do have a large family and bills and I just like to have extra money for emergencies. Was using Klarna to buy work clothes and instead of paying $130 bucks at once, I wanted to separate it into four payments, obviously. My husband gets direct deposit weekly and has money in his account, as I mentioned, but Klarna wouldn’t accept his card. My sister banks with Chase, which Klarna accepts. My sister used her card once with Klarna and it worked. All her payments were deducted and she never used Klarna again. Then when she tried to use the SAME card a second time in the future, they wouldn’t take her card. I tried using my bank, US Bank, Klarna denied me. Then I used my Chime card and Klarna says they are working to accept Chime’s bank but don’t just yet. I tried using my American Express card, Klarna denied that as well. It’s SUPER annoying but whatever. Paying full price at one time is better than the hassle this app causes. Obviously this app works great for some people but I am not one of them.
  • img Community

    Suddenly doesn’t know who I am May 7, 2021

    By Gavin Humphrey
    Tried to use this a few times and kept coming up sorry unable to authenticate you. Nothing changed I’m still me and my dob doesn’t change ??. Pretty useless app.

No reviews available

  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
  • AMAZING May 13, 2020

    By Samasdfghjkl
    I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗
  • Jun 5, 2021

    By always. KD
    Not gonna lie I was pretty skeptical about this app when I first heard of it a year or so ago... but I finally downloaded it when I needed to get an expensive birthday gift for someone and didnt want to see a large chunk of $ come out at once..so I signed up and Boom! I was Approved and made payments every 2weeks! Happy I tried it
  • Jun 11, 2021

    By Charles Johnson IV
    Great app! Awesome for for when you need a bit more time to pay. They offer various method of payment from biweekly to monthly, AND it's easy to use. 👍 Had a couple of issues with installing the last update, but after power cycling my phone a couple of times, and attempting to reinstall the app the following day, everything seems to now be running fine. Good stuff 💯
  • Terrible App! Very poor or almost no customer service Sep 27, 2019

    By AngeloMalik
    I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.
  • Jun 10, 2021

    By Sarah Davison
    This is so easy to use and great app for if you want to treat yourself to a new outfit without breaking the bank. Tells you when and what payments wIll be taken at early stages of buying so you can mange your soending wisely. The apps could be set out in more of an order such alphabetically or clothing, homewares etc so are easier to find of you're searching for something in particular But great app would definitely recommend to friends and more well known stores are slowly being added too
  • Jun 12, 2021

    By Melynda McGee
    Klarna is a great way to do anything expensive! I use it a lot and I love it! They ship the product to you after your 1st PAYMENT!!! I also just learned, that they protect you from scammers. I just tried to buy something through Klarna that I found on Facebook and it wouldn't allow me to because it was a known scam. I love this app!!!!
  • Jun 19, 2021

    By Kelly Archuleta
    Ok so, I love klarna. It has helped in so many ways like getting through Christmas with my family of 11. It really is a great app. However, it seems everytime I go to redeem my rewards (when I need them) that part of the app crashes and say "oops something went wrong" when I'm just browsing and go to just check my rewards it opens just fine. So 80% of the time I can't view or redeem the rewards. Fix that issue and I'll give 5 stars.
  • Jun 11, 2021

    By Jamie Woodard
    Works great until I was randomly told that I have past due payments, but the button to take you to correcting it doesn't go anywhere, doesn't tell you which payment didn't go through. Had to go through the 'my account' notifications one by one and manually pay early every order it mentioned didn't go through until the app worked again. Frustrating to say the least, I went weeks without using it., When I would have otherwise. I like the 2% back in rewards and gift cards though.
  • Was great while it worked Apr 10, 2020

    By Luci89
    Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved.
  • Jun 10, 2021

    By Lisa Alexander
    After updating the app isn't working so well like before. When tried to pay some bills and if you accidentally click pay on schedule, and would like to change it , couldn't work anymore. Sad. Before updating all is functions really super. Now you must really watch and be careful to choose payment if you don't sure when you gonna pay it. Please fix this problem. If the app function like before I will come back to give 5 star
  • Paid off account earlier than needed to end the frustration Jun 27, 2019

    By Guido0401
    I paid off my no interest account 9 months early just so I could avoid having to deal with the idiosyncrasies of this service. By trying to be so “simple” and “modern” I find at least for me they miss some expected capabilities. The “notification of payment due” worked once and never again. Their support told me either my phone or app notifications we’re turned off (they were not) or that loading a new release of software could turn them off. Really? Either way I missed a payment; they were nice enough to remove the late fee. Which leads to another deficiency. No way to pre-schedule payments other than “the minimum payment on the due date”. If you want to schedule a larger payment and possibly a few days earlier, you can’t. And I had to reset the “fingerprint login” multiple times for whatever reason. It would also be nice if there was an auto connect to Quicken but that’s not always common with these type of services. And just (intuitively) finding things in the app is not that easy; and I’ve (easily) navigated many apps / websites for similar services. This one ranks as one of the less intuitive.
  • Jun 1, 2021

    By Monyata Butler
    No longer working right! I have used the app plenty of times to create ghost cards and use them on Amazon. I opened the app today to create a ghost card. I got approved for the 6 monthly payments option. When I click to move to the next page, the app gets stuck and doesn't populate the agreement for me to say "ok" to. I updated the app, restarted it, and everything else. Still won't let me get past that page!
  • Worked One Time Dec 30, 2019

    By 💖KawaiiDork💖
    It worked the first time I used it(Aug 2019). Got the ghost card, made a purchase, and made my payments on time. I tried it a second time(Oct2019). Got the ghost card, clicked the purchase button and was told afterwards that klarna didn’t approve purchases with the retailer (a gaming company). Ok, that’s fine. Check my bank account and I was still charged the initial payment. I spoke to a rep and they told me the money would return within 7 business days and it did. Great. I figured I’d try one more time (Dec2019). Got the ghost card, hit purchase, got an error message saying try again later. Checked my bank account and once again got charged the initial payment with no purchase. Guess I’m waiting on my refund at this point. My main suggestion would be to update your in app browser to block any major sites that you don’t allow purchases from, that way we don’t waste time shopping for nothing. That or have the app check the site first before generating the ghost card and decline if it’s a retailer we can’t purchase from. I feel like this would save some headaches from initial payments being taken but no purchases made. I liked it the first time I used it but since it has a low success rate for me I don’t think I’ll be using it again.
  • Jun 18, 2021

    By Jaime Wiley
    Everything on this app takes forever to load. It is not user friendly at all. It would also be so much better to use if you could choose which day the payments go through. It always charges the day before I get paid, then I can't make the payment the next day unless I want to pay two installments at once. Verifying my phone number always glitches so I had to remove my phone number. The idea of this is great but the execution is a total failure.
  • img Community

    Suddenly doesn’t know who I am May 7, 2021

    By Gavin Humphrey
    Tried to use this a few times and kept coming up sorry unable to authenticate you. Nothing changed I’m still me and my dob doesn’t change ??. Pretty useless app.
  • Jun 18, 2021

    By noel romero
    I attempted to make a total of 4 purchases. Two times I was denied because THEY ran into errors during checkout. The third time the purchase went through. I never received the product and it's been two months. They still tried charging me for the missing package. Now they denied me again because of the missing package not being paid. Four attempts and still no product. You be the judge.
  • Don’t bother wasting your time! Nov 14, 2019

    By Temptation_bri
    Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!
  • Jun 10, 2021

    By Louise Peacock
    I cannot update the app to the latest version, I have tried to reinstall it and that doesn't work either. App is no longer accepting my payment and I when I phoned customer service they were useless. They told me to check my address was correct and to check the electoral role, when told that I've lived in the same house for 17 years they refused to help telling me it was my fault and they cannot do anything for me. Rubbish do not bother using.
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
  • Jun 10, 2021

    By Melissa Sassmann
    App doesn't work anymore!!! I get a message that there is an update and to do the update. Click the update button I am directed to play store. Click "open" and it directs me back to the app with the update message. I uninstalled and reinstalled and same thing. Its just stuck! Can't even open the app at all.
  • Jun 10, 2021

    By Ashley Morrow
    Opened app and am told there is an updated version. Selecting "update" takes me to the Play Store where I can "uninstall" or "open". Choosing to open takes me back to "update". I restarted the phone, I forced stopped the app, and I have also unistalled/reinstalled to no avail. I would have quietly spoke to tech support regarding the issue. Unfortunately, because the app won't open, I had to write a review in hopes it gets attention.
  • This app used to be my fav Jan 20, 2020

    By LéShea14
    When I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭
  • Jun 7, 2021

    By Sham D
    Same issue as last week. They fixed it for one day. Confirm Loan page doesn't load and customer service is no help. Once a business starts to become a nuisance is the time to take my money elsewhere. Their site glitches, customer service is robotic and they couldn't care less. All I am asking for is an app that functions because you have fallen from a Top Tier company to an absolute nightmare to shop with. Basically there is no regard for customer concerns or complaints. Leaving Klarna for good.
  • This app is a good idea, when it actually works. Oct 13, 2019

    By The App Store Annoys Me
    I hate that this app doesn’t support pre-paid cards, cards that are through your work, certain banks, or simply denies your card for unknown reasons. My husband banks with Wells Fargo, Klarna does accept Wells Fargo but wouldn’t accept my husband’s card. We have more than enough money on the card but wanted to try Klarna out to separate the money because we do have a large family and bills and I just like to have extra money for emergencies. Was using Klarna to buy work clothes and instead of paying $130 bucks at once, I wanted to separate it into four payments, obviously. My husband gets direct deposit weekly and has money in his account, as I mentioned, but Klarna wouldn’t accept his card. My sister banks with Chase, which Klarna accepts. My sister used her card once with Klarna and it worked. All her payments were deducted and she never used Klarna again. Then when she tried to use the SAME card a second time in the future, they wouldn’t take her card. I tried using my bank, US Bank, Klarna denied me. Then I used my Chime card and Klarna says they are working to accept Chime’s bank but don’t just yet. I tried using my American Express card, Klarna denied that as well. It’s SUPER annoying but whatever. Paying full price at one time is better than the hassle this app causes. Obviously this app works great for some people but I am not one of them.

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