Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

Shopping online is easier than ever with Klarna. Shop and get the best deals.

4.7 Ratings 1M+ Reviews 10M+ Downloads

Ratings & Reviews

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  • img Community

    Avoid paying with Klarna! Unsafe! Jun 29, 2022

    By Marina Barba Zabalza
    Klarna close the case and reactivate my invoice, because it was my statement against company´s statement. Klarna explained that they cannot know what happened, even if I provided all the proofs. Call from the Dispute team was rude, she was laughing at me. There seems to be the justification from Klarna to not protect the clients . Their approach depends on who are you disputing with small or big companies (booking.com as in my case) , as they don't want to get a bad reputation with them.
  • img Community

    Bad for business no help from customer service May 29, 2022

    By David Fogle
    recently the app kept freezing so I had to close it all the way out. Logging in I had $900 in purchase power! After the freezing, logging back in, my purchase power decreased to $437! After calling and complaining to the HIGHEST POWER in the office I was told several times that there was no way to fix it! NONE. Klarna wouldn't even compensate me when I had proof in the app that I hadn't made a purchase.I'm very irritated with klarna and I DO NOT RECOMMEND klarna to anyone!
  • Switched from AfterPay to this Oct 3, 2021

    By SMiller1263
    I was using Afterpay for everything for a very long time because since I built an amazing history with them paying on time they gave me the option to pay nothing upfront and my spending credit was over 2,000. However I had to go out of town recently and my bank thought the charges on my card were fraud. So my bank put a 24 hour hold on my credit card and one of my payments with afterpay did not go through. I did pay it the very next day and I have never missed a payment in my life and I tried explaining the situation to them however they did not care and they brought my spending credit down to zero because of that. During that time I also missed a payment with Klarna and after I explain the same situation to them they were very understanding and gave me an additional 48 hours to make my payment with no penalties. I cannot begin to explain how grateful I am for that. I do wish that Klarna gave you the option to pay nothing upfront and make your first payment two weeks afterwards like afterpay however I will never use Afterpay again. I will always always only use klarna from now on.
  • Great until they’re not Jun 23, 2022

    By Mamabear1415
    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.
  • Waste of time Jun 22, 2021

    By karahstarr
    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.
  • Jun 16, 2022

    By Mid Mo Guitar Dude
    Great way to buy even more stuff you don't need. I was finally able to build a decent computer by financing the more expensive pieces like the cpu and mobo. My only gripe is when you're browsing sites like eBay or newegg, trying to swipe right through the recommended products makes the browser go forward. It's extremely annoying. I have not found a way to disable these gestures. Would give 5/5 if that could be fixed.
  • Jul 3, 2022

    By Daphney Augustin
    I have been using this app for a while now, everything was perfect. Ive always payed before the due date. My buying power is "OUTSTANDING " .So i was surprised when my last purchased didn't went through, it says " we can not verify your identity " so i try over and over, till it work but i had to do it in the app itself annoying but ,.ok . Then when it comes to pay ,they want me to pay 50% for the first payment and split the rest in 3 ,so What about the pay in 4 equal payment? Gonna switch!
  • Was good, then went bad. Jul 3, 2022

    By Dustin000
    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.
  • Jun 22, 2022

    By Ashley Bronec
    Can be very difficult using customer service. Unable to locate a phone number to call for assistance. Refunds are SLOW when due back to the customer. When a refund was due to me, I got a partial refund and then the run around. I felt they wanted me to just give up. After writing a bad review, finally got a real phone # to call and spoke with someone. After that, my refund finally came 3 days later. I added two stars because the phone help was great and they should stick with that.
  • Jul 1, 2022

    By McBiscuit
    This was great to use on my old phone, but when I try to log in with my new phone, it says "Something went wrong, please try again". I've tried so many times, cleared cache, reinstalled the app, nothing works at all now. Works just fine in Firefox and sends the verification number SMS to my new phone without a problem, it's the app that's being dysfunctional. The one difference between the phones is the new one has a newer kernel, which is 5.10.81. Update: Now it's doing it on my old phone.
  • Switched from AfterPay to this Oct 3, 2021

    By SMiller1263
    I was using Afterpay for everything for a very long time because since I built an amazing history with them paying on time they gave me the option to pay nothing upfront and my spending credit was over 2,000. However I had to go out of town recently and my bank thought the charges on my card were fraud. So my bank put a 24 hour hold on my credit card and one of my payments with afterpay did not go through. I did pay it the very next day and I have never missed a payment in my life and I tried explaining the situation to them however they did not care and they brought my spending credit down to zero because of that. During that time I also missed a payment with Klarna and after I explain the same situation to them they were very understanding and gave me an additional 48 hours to make my payment with no penalties. I cannot begin to explain how grateful I am for that. I do wish that Klarna gave you the option to pay nothing upfront and make your first payment two weeks afterwards like afterpay however I will never use Afterpay again. I will always always only use klarna from now on.
  • Great until they’re not Jun 23, 2022

    By Mamabear1415
    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.
  • Waste of time Jun 22, 2021

    By karahstarr
    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.
  • Jun 16, 2022

    By Mid Mo Guitar Dude
    Great way to buy even more stuff you don't need. I was finally able to build a decent computer by financing the more expensive pieces like the cpu and mobo. My only gripe is when you're browsing sites like eBay or newegg, trying to swipe right through the recommended products makes the browser go forward. It's extremely annoying. I have not found a way to disable these gestures. Would give 5/5 if that could be fixed.
  • Jul 3, 2022

    By Daphney Augustin
    I have been using this app for a while now, everything was perfect. Ive always payed before the due date. My buying power is "OUTSTANDING " .So i was surprised when my last purchased didn't went through, it says " we can not verify your identity " so i try over and over, till it work but i had to do it in the app itself annoying but ,.ok . Then when it comes to pay ,they want me to pay 50% for the first payment and split the rest in 3 ,so What about the pay in 4 equal payment? Gonna switch!
  • Was good, then went bad. Jul 3, 2022

    By Dustin000
    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.
  • Jun 22, 2022

    By Ashley Bronec
    Can be very difficult using customer service. Unable to locate a phone number to call for assistance. Refunds are SLOW when due back to the customer. When a refund was due to me, I got a partial refund and then the run around. I felt they wanted me to just give up. After writing a bad review, finally got a real phone # to call and spoke with someone. After that, my refund finally came 3 days later. I added two stars because the phone help was great and they should stick with that.
  • Jul 1, 2022

    By McBiscuit
    This was great to use on my old phone, but when I try to log in with my new phone, it says "Something went wrong, please try again". I've tried so many times, cleared cache, reinstalled the app, nothing works at all now. Works just fine in Firefox and sends the verification number SMS to my new phone without a problem, it's the app that's being dysfunctional. The one difference between the phones is the new one has a newer kernel, which is 5.10.81. Update: Now it's doing it on my old phone.
  • May 24, 2022

    By Oonis Aucoix
    Awesome. A game changer. Love the one-time card feature, the fact that you can do an external search, like a search engine, if the app doesn't have the product/store you're looking for. That is to say, they have tons of retailers in-app. Meanwhile, the financing feature sets it apart, in addition to the traditional pay in 4 option. Highly recommended.
  • 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.
  • img Community

    Avoid paying with Klarna! Unsafe! Jun 29, 2022

    By Marina Barba Zabalza
    Klarna close the case and reactivate my invoice, because it was my statement against company´s statement. Klarna explained that they cannot know what happened, even if I provided all the proofs. Call from the Dispute team was rude, she was laughing at me. There seems to be the justification from Klarna to not protect the clients . Their approach depends on who are you disputing with small or big companies (booking.com as in my case) , as they don't want to get a bad reputation with them.
  • img Community

    Bad for business no help from customer service May 29, 2022

    By David Fogle
    recently the app kept freezing so I had to close it all the way out. Logging in I had $900 in purchase power! After the freezing, logging back in, my purchase power decreased to $437! After calling and complaining to the HIGHEST POWER in the office I was told several times that there was no way to fix it! NONE. Klarna wouldn't even compensate me when I had proof in the app that I hadn't made a purchase.I'm very irritated with klarna and I DO NOT RECOMMEND klarna to anyone!
  • Jun 26, 2022

    By Tracie Lawrence
    The app was amazing and I was able to purchase flights and hotels for vacation and high priced items by splitting up the payments. Unfortunately recently was advised by one of the agents that now your purchase power will be credit based so Unfortunately will now have an extremely low amount and no longer be able to use. The purpose of these types of sites is to be able to split payments and people that have great credit typically would just use their credit cards and not need to use the site.
  • So easy to get, but can’t get it!! Aug 30, 2019

    By itsthe2ts
    Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!
  • Jun 23, 2022

    By Elizabeth mhm
    This used to be amazing. I've always always made every single payment, have used it for over a year if not multiple. My available balance was thousands. I only owe maybe a hundred bucks now, I've paid almost everything off and yet my thousands available disapearred to ZERO overnight. It said pay more, so I paid off a bunch more. Did absolutely nothing. I've contacted customer service five times and they say it's a glitch that will fix itself. It's definitely not. It's been over a week now. Dumb.
  • Charged before processing Jan 8, 2022

    By Money Dee Mo Di
    I was happy to get approved for the installments and have tried another app called Affirm with no issues. I wanted to get an idea of what I would be paying and thought to go through with it. I ended up backing out of the offer from Klarna to try again when I got paid. I never checked out on the order with the Merchant. Again I’m used to Affirm where they don’t process the installments until you check out. I got a notification on my bank of suspicious activity and when I checked my account I saw that Klarna had charged me the first payment. I reached their customer service to ask if there was a way the order could be processed through the merchant since I had gotten charged anyway. They said they couldn’t and that I would be refunded, no biggie to me. I liked the customer service so far for informing me. I know they can’t make the world turn for me so I’m ok with getting back what was charged. What I don’t like is that Klarna charged me the first installment without me even checking out on the order. That’s the only issue I have and advise they get that updated for people like me that can be indecisive shoppers at times. Not even that it could be an issue where our battery dies or the page refreshes or we set down our phone for a bit and it times out. I’d really like to see the Klarna developers make that update happen to keep up with mishaps.
  • Use at your own risk, don’t expect help from them Apr 19, 2022

    By Vic1112233444566
    Honestly hands down worst experience ever. I’ve used the app before and thought it was okay, but that was until I experienced an issue trying to order a refrigerator from Home Depot and Whirlpool never received my order so they never shipped it. I’ve been without a fridge for over a month at this point. My issue with Klarna came into play with their terrible customer service. Their only solution is that I had to get in contact with the merchant (which I already did) to have a refund placed for me ( which HD was struggling to do for the last 3 weeks) and instead of Klarna being helpful or understanding to my money being tied up in a refrigerator order never recieved that should of been an easy refund, Klarna exact words are “I can stop the payments until you reach out to the merchant. Us stopping the payment will give you the chance to resolve with them before we continue to process your payments. But we do not reach out to the vendors for anything at all, it’ll go in their queue and if they don’t respond we’ll resume your payments”. All in all telling me I pretty much just have to take it if Home Depot doesn’t see the message Klarna sends to their queue . Absolute worst customer service hands down. And the automated machine TRIES to not allow you through to a representative every way possible. Absolutely horrible. AND I’m still waiting on a refund weeks later !!
  • Jun 23, 2022

    By Stacy McGregor
    Klarna has been amazing until about a week ago. I have been using it for about 7 months paying everything on time. Never missed a payment. I built my purchase power up from about 200 to almost 1K. Then one day I logged on and my purchase power was 200. I contacted customer service and they told me they changed their credit pulling procedures. I thought the point of this app was to help people who didn't have good credit. Will be deleting once my purchases are paid off and going to Afterpay.
  • Jun 14, 2022

    By Ange Pena
    The worse app I've used for shopping. I shop A LOT! I've never tried a pay installment plans before maybe that's why I don't like it. It's not easy to navigate. It's info is misleading. Shipping takes forever. Purchase on June 2nd still has no clear info on shipping not even from NIKE where it's coming from. **No canceling after 30 mins and oops we don't know when you'll get your items but you will be charged. 👍😉 As soon as my items ship, I'm paying it off and deleting this app!
  • Terrible customer service! Dec 10, 2021

    By KDavis34
    Company had a data breach back in March of 2021. When you logged in with your password and email, another persons account would open with their order details, card information, shipping address and a lot information. In August, I noticed an issue with my account when I was not able to make a purchase. The app told me that I have payments on another account. I only have 1 Klarna account so I thought that was strange. I chatted with an agent and she told me that because someone had my same name and birthday that the system thought it was my account. She escalates my case to a specialist. A MONTH goes by and I have not received any kind of notification so I reach out to them. A different agent gave me a lot of information stating that a women in California* I live across the country* (he gave me her address, phone number and name) was using my account and that she had multiple purchases that were not paid for. Since then I have spoken with about 8 different people and no one has been able to delete me my account or fix my issue. I have been dealing with this issue since August 2021, it is now December and no one has responded to any of my escalated cases. In addition to all of this my bank account was hacked. I spoke with customer service and again they stated that I needed to wait for a specialist to reach out to me. No one has been able to help! Don’t use this app!
  • img Community

    Avoid paying with Klarna! Unsafe! Jun 29, 2022

    By Marina Barba Zabalza
    Klarna close the case and reactivate my invoice, because it was my statement against company´s statement. Klarna explained that they cannot know what happened, even if I provided all the proofs. Call from the Dispute team was rude, she was laughing at me. There seems to be the justification from Klarna to not protect the clients . Their approach depends on who are you disputing with small or big companies (booking.com as in my case) , as they don't want to get a bad reputation with them.
  • img Community

    Bad for business no help from customer service May 29, 2022

    By David Fogle
    recently the app kept freezing so I had to close it all the way out. Logging in I had $900 in purchase power! After the freezing, logging back in, my purchase power decreased to $437! After calling and complaining to the HIGHEST POWER in the office I was told several times that there was no way to fix it! NONE. Klarna wouldn't even compensate me when I had proof in the app that I hadn't made a purchase.I'm very irritated with klarna and I DO NOT RECOMMEND klarna to anyone!

No reviews available

  • Switched from AfterPay to this Oct 3, 2021

    By SMiller1263
    I was using Afterpay for everything for a very long time because since I built an amazing history with them paying on time they gave me the option to pay nothing upfront and my spending credit was over 2,000. However I had to go out of town recently and my bank thought the charges on my card were fraud. So my bank put a 24 hour hold on my credit card and one of my payments with afterpay did not go through. I did pay it the very next day and I have never missed a payment in my life and I tried explaining the situation to them however they did not care and they brought my spending credit down to zero because of that. During that time I also missed a payment with Klarna and after I explain the same situation to them they were very understanding and gave me an additional 48 hours to make my payment with no penalties. I cannot begin to explain how grateful I am for that. I do wish that Klarna gave you the option to pay nothing upfront and make your first payment two weeks afterwards like afterpay however I will never use Afterpay again. I will always always only use klarna from now on.
  • May 24, 2022

    By Oonis Aucoix
    Awesome. A game changer. Love the one-time card feature, the fact that you can do an external search, like a search engine, if the app doesn't have the product/store you're looking for. That is to say, they have tons of retailers in-app. Meanwhile, the financing feature sets it apart, in addition to the traditional pay in 4 option. Highly recommended.
  • 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.
  • May 22, 2022

    By Ron Cooper
    Great App. Easy transactions. Easy way to get what you need now & pay later. Very surprised at the amount of retailers this works with. I was skeptical at first but wow, after a couple weeks using and getting items I purchased with a low down payment than a payment plan it's changed my mind for the good. No high interest rates like credit cards. No up charges. The price you see is what you pay but in installments. 100% Great!
  • It WAS a great app NOW not so much! Oct 22, 2019

    By DaveisaFraud
    I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay.
  • Happy and satisfied customer Jun 17, 2022

    By greece pit
    As a single man who never really had to shop before not only have you made it super easy you have made it so convenient. You have provided me with so many options and so many different companies. I was forced into retirement at 53, do to lifelong illness, muscular dystrophy although I worked as a master mechanic 43 years 20 plus years I owned and operated my own shops. Married at 18 years old I thought we where truly sole mates till at 53 and paralyzed from waist down the only women I ever been with and treated like a Queen said and I quote since I can’t work she would be better off if I was dead and gone. Well I’m not dead but I gave her what she wanted im gone. Leaving with only the close on my back I gave her everything. Now you know why I think so highly of this company. In the last 4 months I purchased a whole house full of furniture and everything you need to go with it. Also a new house Harley Davidson a horse and anything else I want. Once very hurt and broken hearted now one happy go lucky bachelor with everything I need 90% purchased and payed in full because of buy now pay later. Thank you one totally happy customer
  • I LOVE this app Jan 9, 2022

    By Lindsay41190
    I use this for big purchases, and for sites like Etsy. It’s irritating when I buy one thing at a time, so I’ll pick a couple things and just pay it off over time. If you’re terrible at budgeting like me, it doesn’t make you wait until your due date to pay, you can pay right there and then. You can also extend your due date, I’ve never used this feature but I’m sure it comes in handy. With each purchase, your ‘purchase power’ goes up, it also increases every time you make a payment. If you stay on top of it, it’s a great tool. There are also a lot of stores you can use it at, but if it’s not on their list you can still use Klarna, like I bought a coat at L.L Bean but that’s not one of their partners. I was still able to do a one time purchase through them, you just search for it and then click ‘search on google’ and then hit pay and itll prompt you to create a one time card. Either way, there list is pretty extensive, I have yet to find a store that isn’t on their list so I’m not sure what some people are talking about when they say there’s only a ‘handful of stores’ you can use it at.
  • No approval Apr 14, 2020

    By Iplayyoupay
    I’ve been reading some of these reviews of people having the same trouble, the same auto-generated denial of a purchase, the same frustration and the developers response is always the same.. “we don’t know why”. The reviews I’ve been reading are from June-august 2019, it is now April 2020 and still no updates to their system. And these reviews are right on par with what happens when you talk to customer service as well, There’s a number of factors that determine whatever etc etc. My purchase was for $89; $22 every two weeks, not accepted by klarna, talk to support, he essentially tells me to just keep trying because he can’t tell me at what price that I MIGHT get approved, or what exactly is going wrong on why I’m not being accepted, “you might be approved for a lower amount, or if I try again later” tried it again for a $50 purchase same website, no go. There are at least 3 other sites that offer what you do and its none of the hassle. Why is this still an issue!? And no I don’t need you to go over your approval process with your customer service I already did that. It’s stated above and you were not helpful!
  • Jun 26, 2022

    By Shannon Kelley
    Klarna is just awesome. The 4 easy payments are really truly 4 easy payments with no interest. The payment schedule is easy to follow. you can find all the info you need on the app. Delaying a payment is easy. most apps want to charge you high interest fees and hidden fees. Klarna is straight up. I highly recommend.
  • 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 16, 2022

    By Mid Mo Guitar Dude
    Great way to buy even more stuff you don't need. I was finally able to build a decent computer by financing the more expensive pieces like the cpu and mobo. My only gripe is when you're browsing sites like eBay or newegg, trying to swipe right through the recommended products makes the browser go forward. It's extremely annoying. I have not found a way to disable these gestures. Would give 5/5 if that could be fixed.
  • Jun 4, 2022

    By Ann Courtney
    I love the huge number of stores available for online shopping, the four-payment option for budgeting, and the ability to set up a credit card for the exact purchase amount. It makes online shopping feel much safer. My only problem is that while shopping in-store through the app, the app often shuts down while I'm browsing, and I have to go back into the store and start my search over, although anything I've put in my cart is still there. But it's worth the extra effort!
  • 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.
  • Negative 10 Stars! Feb 10, 2020

    By Dizayne29
    I have made On time payments for two straight years, never missed one! I had automatic payments at up for the 26th of every month. Well since my balance was down to $122 I decided to pay it off this month. I went in to set up the payment for the 26th and they took it out immediately today which caused me to to overdraw my account and refused to postpone or cancel the payment. Mind you, I contacted them less than 5 minutes after I made the payment. Then I tried chatting and was literally hung up on by 7 different agents. The last one told me he’d pass me onto a specialist which can take up to 48hrs! All this after I contacted customer service by phone and was ASSURED that they would cancel the payment and I could just pay it on the due date, he also assured me that I would receive an email confirmation and it would also reflect in my app, well, neither of those things have happened ! I WILL NEVER DO BUSINESS WITH THEM AGAIN! Keep in mind I have spent over $10,000 with their service! Fleur R.
  • The concept is great but.. Jun 16, 2019

    By CryingStal6
    Like I said the concept is great., but it’s not user friendly AT ALL.. FIRSTLY all the email links are annoying, and the customer service reps aren’t knowledgeable of how Klarna works they always give the same response, I tell them the app is glitching it won’t allow me to make a ghost card ,they say “ wait 24 hour” 24 hours pass nothing the same problem I get the error of can’t create a ghost card they say” it needs to be connected to a bank and have enough to cover the initial payment+ nah really 🤨😑 I have enough it’s connected to a bank, they have no idea what to do I retry randomly it works then doesn’t (gotta have those 🤞🏽)... the concept is great but it’s currently all over the place, also at the time I may not have the money but if I get extra money why is there not an option to make a payment...try to look at each person separate and handle the problem not give these automated responses (if they answer this review as a automated responses im just done🤣)
  • Great until they’re not Jun 23, 2022

    By Mamabear1415
    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.
  • Waste of time Jun 22, 2021

    By karahstarr
    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.
  • Jul 3, 2022

    By Daphney Augustin
    I have been using this app for a while now, everything was perfect. Ive always payed before the due date. My buying power is "OUTSTANDING " .So i was surprised when my last purchased didn't went through, it says " we can not verify your identity " so i try over and over, till it work but i had to do it in the app itself annoying but ,.ok . Then when it comes to pay ,they want me to pay 50% for the first payment and split the rest in 3 ,so What about the pay in 4 equal payment? Gonna switch!
  • Was good, then went bad. Jul 3, 2022

    By Dustin000
    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.
  • Jun 22, 2022

    By Ashley Bronec
    Can be very difficult using customer service. Unable to locate a phone number to call for assistance. Refunds are SLOW when due back to the customer. When a refund was due to me, I got a partial refund and then the run around. I felt they wanted me to just give up. After writing a bad review, finally got a real phone # to call and spoke with someone. After that, my refund finally came 3 days later. I added two stars because the phone help was great and they should stick with that.
  • Jul 1, 2022

    By McBiscuit
    This was great to use on my old phone, but when I try to log in with my new phone, it says "Something went wrong, please try again". I've tried so many times, cleared cache, reinstalled the app, nothing works at all now. Works just fine in Firefox and sends the verification number SMS to my new phone without a problem, it's the app that's being dysfunctional. The one difference between the phones is the new one has a newer kernel, which is 5.10.81. Update: Now it's doing it on my old phone.
  • 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.
  • I Agree with the Below Jul 12, 2021

    By rhondadyche
    I’ve been with this company for years, over 5k approved, I pay more than my payments 99 percent. I have NEVER BEEN LATE or any reason to. If there clearly is a long history as I’ve been taught, my bills are all paid on time, it just looks maxed out because I have two cars , which I carried my husband and mine on my credit and a loan I never miss, yet laughable high risk, I though expect and am working on this, however Klarma you would think, this card is for those like us, they are making a killing from us, but the established customers should be treated better than those who get the ghost cards, run with their money, while you guys trust a client your clueless about Just my two sense. Btw I’ve just bought a truck, lol and your thinking needs to be looked back over if the client has a great history, take in consideration their credit report if they pay their bills on time? If the person pays on time, and also does with you, should that not stand on its own two legs. I have several who have approved me for the same card, yet I’ve been faithful and responsible!
  • Charged before processing Jan 8, 2022

    By Money Dee Mo Di
    I was happy to get approved for the installments and have tried another app called Affirm with no issues. I wanted to get an idea of what I would be paying and thought to go through with it. I ended up backing out of the offer from Klarna to try again when I got paid. I never checked out on the order with the Merchant. Again I’m used to Affirm where they don’t process the installments until you check out. I got a notification on my bank of suspicious activity and when I checked my account I saw that Klarna had charged me the first payment. I reached their customer service to ask if there was a way the order could be processed through the merchant since I had gotten charged anyway. They said they couldn’t and that I would be refunded, no biggie to me. I liked the customer service so far for informing me. I know they can’t make the world turn for me so I’m ok with getting back what was charged. What I don’t like is that Klarna charged me the first installment without me even checking out on the order. That’s the only issue I have and advise they get that updated for people like me that can be indecisive shoppers at times. Not even that it could be an issue where our battery dies or the page refreshes or we set down our phone for a bit and it times out. I’d really like to see the Klarna developers make that update happen to keep up with mishaps.
  • Jun 3, 2022

    By iAmEssence101
    VERY frustrating because you sign in with your email, verify with the code sent to your email, and then it forces you to verify with your phone number, which is fine,..but then proceeds to NEVER send it...like ever. No, you can't skip it. Yes, it completely locks you out of your account. I'm sure this is an easy-ish fix on their end, but until they do, just use afterpay. It's the same thing, and not a hassle. I was only ever able to use Klarna once, and it's literally never worked since
  • It Was Great Until…. Jul 23, 2021

    By nextquestionplease
    So the concept of Klarna is amazing, however, their customer service and policies are trash. I had used Klarna a number of times in the past until I tried to make a purchase and was denied. When I contacted customer service I was put on hold for over an hour, to then be told that I had to wait 30-45 days for an email response to find out why my transaction has not gone through. Prior to this experience I had always made my payments on time and never had any issues. When I finally received the email 30 days later, the email did not provide any detail whatsoever as to why my account has been put on hold. I called customer service again to follow up and see if I could get more info and the rep had no clue why this was happening or how to resolve. When I asked to escalate the case to a manager she said she was unable to transfer me to someone because Klarna didn’t do that. I’m actually pretty annoyed that there is no way to resolve an issue that seems to happen to a number of people using the app. Figure out your policy and procedure protocol, figure out a way to troubleshoot issues properly and provide details to customers looking for answers. It feels a bit “Scammy” to be honest.
  • 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.
  • I used to love the app now kind of disappointed Jun 27, 2022

    By daniella8885
    Klarna was one of my favorites that I would recommend to everybody I used to really truly love this app as it was easy to use and also love the point system and being able to pay things in payments but this last time I went to go make payments on my stuff I noticed I couldn’t do another purchase it wouldn’t allow me it declined me which made no sense because I’ve always paid every payment I was at over $1000 on my spending limit and now I’m at zero which I don’t understand and it’s kind of sad because I really love this app and used to use it all the time so I reached out to customer service they tell me they’re revising everybody that is using this app and that it should go back and that I should be OK in the able to make purchases which is not true because it hasn’t happened so which saddens me and makes me disappointed in this app because it was the best app out there and they reassured me that it was nothing that I had have done on my end because I wanted to double make sure but it’s clear that the changes are making is going to just make it harder and I feel like I’ll never be able to use this app again.
  • Mixed Emotions Dec 26, 2019

    By Plub0o6
    When I tried Klarna the first time I learned there are ALOT of links to working this properly and it was a turn off. I felt that the company should relay certain information to first time buyers that was not relayed. I had my entire purchase cancelled except for a couple items which were ALL returned and was still charged $1.99 which was never refunded since the item was never received. The next time attempted an order I tested my theory that if I needed to make any changes NOT to allow the order to process AS IS—THEN make changes if necessary. And it WORKED! I am disappointed because Klarna does not operate as easily as Afterpay. Klarna has better shopping options but only allows you to pay off “IN FULL” where as Afterpay lists the payments and their due dates and allows you to pay the upcoming bi-weekly payment “NOW” which works for me because the payments do not land on my payday and I like to pay everything I owe off all at once so I know what’s left in my bank account can divide to savings and pocket money. We all live paycheck to paycheck which is why Klarna is such a wonderful app; however I think it should take a few hints from its competition Afterpay whom I might use nat was going forward.
  • My info HACKED, NO HELP, BEWARE Jan 28, 2022

    By It wasnt me Ashley
    Klarna used to be a good service for me when I wanted to spread out a big purchase but now I feel my information may be compromised. I cannot use the service right now because my account was link to SOMEONE I DONT EVEN KNOW and THEY have past due payments and all of MINE are CURRENT and paid early. The customer rep said it could have been because of same last name and DOB. It is bothersome if it is that easy to be connected to someone I don’t know with my sensitive information. This definitely needs to be addressed. I haven’t heard anything back from customer service so I have no idea what’s going on now. Frankly, I’m worried to use the service now. I will be using Affirm’s payment process going forward as I feel their set up and system is more secure. I’m sure I’m probably not the only this has happened to with a common last name. (Reading through reviews and I’m not and it seems Klarna doesn’t do much to correct the situation) Klarna needs to address this possible breach immediately. I will be looking into consumer affairs legal processes. I advise anyone else going through this to do the same.
  • Was awesome- until it wasn’t anymore Oct 12, 2020

    By Moreno04!
    Where do I begin? I used this about 5/6 times since Nov’19 with no problems, it was awesome to buy items for my twins (2 of everything) without having to charge it. Then for some reason it doesn’t approve me for another transaction, even with my “payed off” record with them was perfect. I was baffled so I contacted customer service they basically told me there was nothing they can do, it’s up to the system to approve us??? Ok...so the more I use it and become an actual repeat customer without any change in my account, and established “credit/history” with them, they decide your no longer a valued customer? Just new ones that they have no idea if they’ll pay??? Weird. What a crappy way to do your app. Then they email me that my credit impacted it, which doesn’t make sense because I have a almost 800 credit score across all three bureau's ( but yet they didn't check it!). This app was fantastic, I bet they lost $ with people who didn’t pay and now those of us who actually didn’t abuse it and appreciated it can’t use it. I’m sad but I’m going to uninstall.
  • Complicated Nov 28, 2020

    By yktv.tay
    The app will not let me access it’s features at all , haven’t been able to use it once to shop. This is my third time coming back to try again and this app just is not convenient at all to me when I have to go through too much effort for it to initially not let me make my purchase in the result. Your profile is just your name , and a profile photo. No where can you change information on your age, gender, etc. Though each and every other shopping app includes this. It takes my address in as ‘invalid’ also. Could be caused by my location in Louisiana but if so that’s a major inconvenience to me. I use after pay the majority of the time or even quad pay and they work flawlessly and give you that “smooth shopping” feeling , but Klarna seems to have several things it needs to work out before it’s a smooth running shopping app. It has many more options and places to shop from compared to afterpay which is why I have attempted to use this so many different times but each has only proved to no longer have interest or use for it.
  • No flexibility. Bad customer service May 7, 2021

    By Vanna2018
    I loved this app, I used to use it all the time and then pay off all my purchases. I’ve hit a rough patch this month and have had multiple unexpected expenses (father sent to the hospital, a wreck, etc.). I got an email from Klarna threatening to send my account to collections if it is not paid by the 27th. The email said to contact Klarna if I was having trouble paying so I talked to an agent on the chat. I get paid the 14th and 28th this month and asked if I could pay the balance in two different payments, one on each payday. I was told that they cannot reschedule payments and that there was nothing they could do to help me. What was the point in me contacting customer service when they won’t work with you to pay off your balance? It’s not like I was trying to get out of paying, but I have to be able to eat and have a roof over my head. I can’t pay the whole balance off in one go like that. The fact that I couldn’t at least schedule two payments to pay the balance before it gets sent to collections is ridiculous.
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    Avoid paying with Klarna! Unsafe! Jun 29, 2022

    By Marina Barba Zabalza
    Klarna close the case and reactivate my invoice, because it was my statement against company´s statement. Klarna explained that they cannot know what happened, even if I provided all the proofs. Call from the Dispute team was rude, she was laughing at me. There seems to be the justification from Klarna to not protect the clients . Their approach depends on who are you disputing with small or big companies (booking.com as in my case) , as they don't want to get a bad reputation with them.
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    Bad for business no help from customer service May 29, 2022

    By David Fogle
    recently the app kept freezing so I had to close it all the way out. Logging in I had $900 in purchase power! After the freezing, logging back in, my purchase power decreased to $437! After calling and complaining to the HIGHEST POWER in the office I was told several times that there was no way to fix it! NONE. Klarna wouldn't even compensate me when I had proof in the app that I hadn't made a purchase.I'm very irritated with klarna and I DO NOT RECOMMEND klarna to anyone!
  • Jun 26, 2022

    By Tracie Lawrence
    The app was amazing and I was able to purchase flights and hotels for vacation and high priced items by splitting up the payments. Unfortunately recently was advised by one of the agents that now your purchase power will be credit based so Unfortunately will now have an extremely low amount and no longer be able to use. The purpose of these types of sites is to be able to split payments and people that have great credit typically would just use their credit cards and not need to use the site.
  • So easy to get, but can’t get it!! Aug 30, 2019

    By itsthe2ts
    Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!
  • Jun 23, 2022

    By Elizabeth mhm
    This used to be amazing. I've always always made every single payment, have used it for over a year if not multiple. My available balance was thousands. I only owe maybe a hundred bucks now, I've paid almost everything off and yet my thousands available disapearred to ZERO overnight. It said pay more, so I paid off a bunch more. Did absolutely nothing. I've contacted customer service five times and they say it's a glitch that will fix itself. It's definitely not. It's been over a week now. Dumb.
  • Use at your own risk, don’t expect help from them Apr 19, 2022

    By Vic1112233444566
    Honestly hands down worst experience ever. I’ve used the app before and thought it was okay, but that was until I experienced an issue trying to order a refrigerator from Home Depot and Whirlpool never received my order so they never shipped it. I’ve been without a fridge for over a month at this point. My issue with Klarna came into play with their terrible customer service. Their only solution is that I had to get in contact with the merchant (which I already did) to have a refund placed for me ( which HD was struggling to do for the last 3 weeks) and instead of Klarna being helpful or understanding to my money being tied up in a refrigerator order never recieved that should of been an easy refund, Klarna exact words are “I can stop the payments until you reach out to the merchant. Us stopping the payment will give you the chance to resolve with them before we continue to process your payments. But we do not reach out to the vendors for anything at all, it’ll go in their queue and if they don’t respond we’ll resume your payments”. All in all telling me I pretty much just have to take it if Home Depot doesn’t see the message Klarna sends to their queue . Absolute worst customer service hands down. And the automated machine TRIES to not allow you through to a representative every way possible. Absolutely horrible. AND I’m still waiting on a refund weeks later !!
  • Jun 23, 2022

    By Stacy McGregor
    Klarna has been amazing until about a week ago. I have been using it for about 7 months paying everything on time. Never missed a payment. I built my purchase power up from about 200 to almost 1K. Then one day I logged on and my purchase power was 200. I contacted customer service and they told me they changed their credit pulling procedures. I thought the point of this app was to help people who didn't have good credit. Will be deleting once my purchases are paid off and going to Afterpay.
  • Jun 14, 2022

    By Ange Pena
    The worse app I've used for shopping. I shop A LOT! I've never tried a pay installment plans before maybe that's why I don't like it. It's not easy to navigate. It's info is misleading. Shipping takes forever. Purchase on June 2nd still has no clear info on shipping not even from NIKE where it's coming from. **No canceling after 30 mins and oops we don't know when you'll get your items but you will be charged. 👍😉 As soon as my items ship, I'm paying it off and deleting this app!
  • Terrible customer service! Dec 10, 2021

    By KDavis34
    Company had a data breach back in March of 2021. When you logged in with your password and email, another persons account would open with their order details, card information, shipping address and a lot information. In August, I noticed an issue with my account when I was not able to make a purchase. The app told me that I have payments on another account. I only have 1 Klarna account so I thought that was strange. I chatted with an agent and she told me that because someone had my same name and birthday that the system thought it was my account. She escalates my case to a specialist. A MONTH goes by and I have not received any kind of notification so I reach out to them. A different agent gave me a lot of information stating that a women in California* I live across the country* (he gave me her address, phone number and name) was using my account and that she had multiple purchases that were not paid for. Since then I have spoken with about 8 different people and no one has been able to delete me my account or fix my issue. I have been dealing with this issue since August 2021, it is now December and no one has responded to any of my escalated cases. In addition to all of this my bank account was hacked. I spoke with customer service and again they stated that I needed to wait for a specialist to reach out to me. No one has been able to help! Don’t use this app!
  • Better options out there. Aug 31, 2021

    By Jenanderson07
    Do not use Klarna. I purchased concert tickets through them and the concert has since been cancelled. Refund was done 5 days ago and I randomly got 2 much smaller amounts instead of the full refund so I reached out. First agent told me that it would go towards my Klarna balance and I’d have to request a refund. I said there’s nowhere in my account a balance shows how do I request a refund? They didn’t give me an answer said they were sending it to a specialist time and I’d hear back in 1-2 days. I still haven’t heard from them. So I reached out again yesterday and got a response that they had long hold times but someone would be with me soon. That was fine I just left the chat up and kept working but no one ever came. The chat is still waiting for a response 24 hours later but I contacted again not through my purchase and finally got a response. Now all of a sudden the rest of the refund is processing and I’ll have it in 5-7 business days. Why didn’t they just send the refund all at once? It didn’t take 5-7 business days for the random smaller amounts so why didn’t they just process the full refund? Also more than 24 hours with no response from customer service is unacceptable. I can understand being busy but 24 hours is ridiculous. I wouldn’t recommend using Klarna. Plenty of other options to split up payments which would be much better. 👎🏻

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Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.