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Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

Easy shopping, easy payments

4.7 Ratings 932K+ Reviews 10M+ Downloads

Ratings & Reviews

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  • 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.
  • Jan 18, 2022

    By Jackie Harper
    Really cool if your a single parent like me. The app has option to let you make payments on purchases. They go ahead, and pay for it, and you make payments for what you want. you also get the merchandise right away. Very cool!
  • Jan 22, 2022

    By Jo McGlothlin
    Easy to use. Convenient payments. I love the fact that they send reminder text messages. Seriously recommend 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.
  • Jan 19, 2022

    By Angelique Hough
    only problem I've had is paying my bill after being locked out of my google and gmail so i can't verify me thats not good they need to fix the way they verify or let you at lease make a payment if anything but nope they wont
  • 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.
  • Jan 22, 2022

    By Lakeisha Johnson
    Awesome; you are able to shop and pay in 4 payments to keep you from spending all at one time...Love it!
  • 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!
  • Jan 17, 2022

    By Crystal Smith
    Klarna not only helps me make purchases on higher priced items at the time I need them, but they make it easy. The payments needed are all together in a clear order. No credit check needed and I can pay early with no penalties. Not to mention there is no extra charge for utilizing their services. The selection of stores seems to be unlimited. And I've noticed a pay in store option, I haven't tried that one out yet. So much more, my review won't fit. Check it out, nothing to lose.
  • Jan 21, 2022

    By Monique Francois
    I love app. I'm going to find a way to hook it up to my credit score to help me. love it. The amount of things I bought on this app just make me and my home feel luxurious and beautiful. Because of this app I will now look into become an affiliate and try to see if I could do a job in marketing from home.. Thank you Klarna.
  • 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.
  • Jan 18, 2022

    By Jackie Harper
    Really cool if your a single parent like me. The app has option to let you make payments on purchases. They go ahead, and pay for it, and you make payments for what you want. you also get the merchandise right away. Very cool!
  • Jan 22, 2022

    By Jo McGlothlin
    Easy to use. Convenient payments. I love the fact that they send reminder text messages. Seriously recommend 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.
  • Jan 19, 2022

    By Angelique Hough
    only problem I've had is paying my bill after being locked out of my google and gmail so i can't verify me thats not good they need to fix the way they verify or let you at lease make a payment if anything but nope they wont
  • 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.
  • Jan 22, 2022

    By Lakeisha Johnson
    Awesome; you are able to shop and pay in 4 payments to keep you from spending all at one time...Love it!
  • 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!
  • Jan 17, 2022

    By Crystal Smith
    Klarna not only helps me make purchases on higher priced items at the time I need them, but they make it easy. The payments needed are all together in a clear order. No credit check needed and I can pay early with no penalties. Not to mention there is no extra charge for utilizing their services. The selection of stores seems to be unlimited. And I've noticed a pay in store option, I haven't tried that one out yet. So much more, my review won't fit. Check it out, nothing to lose.
  • Jan 21, 2022

    By Monique Francois
    I love app. I'm going to find a way to hook it up to my credit score to help me. love it. The amount of things I bought on this app just make me and my home feel luxurious and beautiful. Because of this app I will now look into become an affiliate and try to see if I could do a job in marketing from home.. Thank you Klarna.
  • Jan 21, 2022

    By shakira autry
    It keeps saying failed payment, wont allow me to make a manual payment, then adds it to next due date. If i wanted to pay that much out right i wouldn't use klarna. I have contacted customer service several times and noone has helped, they all say its nothing they can do. So im currently watching the payments stack up with each month.
  • Jan 21, 2022

    By Rebel Rob
    My review has been deleted three times now. There is no estimated amount you can borrow like other pay later apps, you have to guess an amount for your first card The 25% payments are bait and switch. They jack the first payment to more than double the 25% they advertise. The "no credit check" is false advertisement, a credit check is done with the 4 payment option. Will not be using again till they actually provide the service they claim, deserves no stars.
  • 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!
  • Jan 20, 2022

    By Tim
    They want to charge 50% for the first payment, and the other 3 in smaller payments. Okay, but why can't I pay 25% in 4 like in the original plan?? Why did it readjust??? I have the credit, I pay on time and everything. 50% is just too high, at that rate you might as well not even use the service... 😤😤😤😤
  • 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.
  • Jan 20, 2022

    By Brian Evans
    I just purchased a new phone so I had to re install the pp on the new phone. In order to login I have to verify email address and phone number by entering the verification number. The app sends a verification to my email but not my phone. I talked to customer service with my phone carrier and with Klarna but problem still not resolved. I'm pretty much stuck in hiatus till they contact me with fix to the problem.
  • 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!
  • Jan 21, 2022

    By Rashida Brunswick
    This app gives me so much difficulty with creating cards. It always freezing and having errors. Even reaching out to customer service the chat agent was too busy to answer me for 12 mins.
  • 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. 👎🏻
  • Futile Oct 18, 2021

    By mel3567392
    Klarna is another fintech fail led by young yt guy. Customer service is non existent. I mean so non existent that I was on hold in the chat forA VERY LONG TIME to be connected with a supervisor. How long exactly? Put on chat hold 12pm Friday and it’s now Monday morning with no supervisor in sigh. I tried asking for help repeatedly in that time frame in the chat and got nothing. Second off I recommend the younger folks trying this out to research how credit cards got started and why they are so popular with banks and profitable (hint: they prey on all of us to make it easy to spend money we don’t have and in return spend months paying back with interest - insanely high interest). Klarna is srsly sinister. It’s clear this app is designed for ppl who can’t afford expensive items but will literally go into a payment plan to buy them instead of traditional credit card where interest accumulates immediately. Tips: ~test out a few low cost items to decide for yourself if this works. Do this over multiple orders (at least 3 different orders) ~DO NOT pay with any sort of klarna gift card or anything that would make returns difficult or tie you into klarna further ~ instead of paying this app each week for installments- save up that money for each week you would already be paying klarna and purchase your item with money in the bank. If you can’t save money like that then you need financial counseling.

No reviews available

No reviews available

  • Jan 18, 2022

    By Jackie Harper
    Really cool if your a single parent like me. The app has option to let you make payments on purchases. They go ahead, and pay for it, and you make payments for what you want. you also get the merchandise right away. Very cool!
  • Jan 22, 2022

    By Jo McGlothlin
    Easy to use. Convenient payments. I love the fact that they send reminder text messages. Seriously recommend 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.
  • Jan 19, 2022

    By Angelique Hough
    only problem I've had is paying my bill after being locked out of my google and gmail so i can't verify me thats not good they need to fix the way they verify or let you at lease make a payment if anything but nope they wont
  • 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.
  • Jan 22, 2022

    By Lakeisha Johnson
    Awesome; you are able to shop and pay in 4 payments to keep you from spending all at one time...Love it!
  • 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!
  • Jan 17, 2022

    By Crystal Smith
    Klarna not only helps me make purchases on higher priced items at the time I need them, but they make it easy. The payments needed are all together in a clear order. No credit check needed and I can pay early with no penalties. Not to mention there is no extra charge for utilizing their services. The selection of stores seems to be unlimited. And I've noticed a pay in store option, I haven't tried that one out yet. So much more, my review won't fit. Check it out, nothing to lose.
  • Jan 21, 2022

    By Monique Francois
    I love app. I'm going to find a way to hook it up to my credit score to help me. love it. The amount of things I bought on this app just make me and my home feel luxurious and beautiful. Because of this app I will now look into become an affiliate and try to see if I could do a job in marketing from home.. Thank you Klarna.
  • 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.
  • Jan 21, 2022

    By Joshua Machado
    easy to use and helps with getting the things you need on hand. while surfing the app it's a little buggy, windows won't open or the app won't respond to touch input. a few times it has crashed completely. overall I enjoy it but maybe some stability updates in the future?
  • 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.
  • Hit or miss Jan 25, 2020

    By missyadreeya
    I have a love hate relationship with this app. I love the idea of it and when it actually works it’s amazing. However there seems to be a lot of issues popping up here and there. The customer service is by far the worst I’ve ever seen. For every issue they suggest that you delete and reinstall the app. Which never works. And they completely blow off what you’re trying to tell them as if they don’t speak or know proper English, I have no idea what that was about but I was very unsatisfied. Sometimes when applying for a ghost card it’ll say I’m not approved or that they’ve “hit a snag”. They’re never able to tell you why either. Then it’ll randomly start working again days or weeks later. If those small issues were fixed and they got better customer services representatives this app would be worth well over five stars. It’s helped me out greatly. Overall I would recommend if you have the patience for when the app bugs out!
  • 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 way to shop! Feb 28, 2020

    By Trippylippy7
    Sometimes you need to buy things right away and may not want to charge it or have the full amount that you can spare. With Klarna you can pay in four payments every two weeks. You can buy something on payday and if it costs $100 you can pay $25 in four payments that comes out automatically every two weeks! It’s also a great way to shop online because it create a credit card that isn’t your personal info so there’s no chance of someone stealing your credit card info. My only issue that has happened only once was a return that was processed after three months. The shop tried to return the money to my Klarna card and it was denied. I’m still trying to get my money back as I sent the item back to the retailer. So if Klarna is looking over these reviews I could use some help on this. But will that being said that is the one and only time I’ve had an issue.
  • 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.
  • 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!
  • Mixed feelings about Klarna Feb 7, 2021

    By olya93882
    I don’t think that this app is awful, it’s not bad, you can see all of your payment dates, orders, etc, everything looks organized. However, when it comes to a partial refund on big orders, it started to stress me out. Besides waiting for the actual store to receive the returned stuff, Klarna takes even longer to process your refund. I got the notification about receiving my return on Jan 29th, but I still haven’t received my refund and that makes me extremely nervous. What I don’t like is that when you look at your returned order in the app, it’s not labeled as “processing refund” or anything like that, but just “the amount for this purchase has changed”, I can’t see the amount of refund, and when will I get it. My small suggestion, try to not use this system on too many orders but at least keep it in 2-3 max, because if you return a lot of things, it will be hard to track and you will lose your mind while waiting for the refund.
  • Works good but I can’t use Klarna anymore Nov 26, 2021

    By Pats account is negtive
    I’ve used the app for a total of 9 times to help with purchases since June 2020 and all of them went perfect (never missed a payment either). Couldn’t have been happier at the times of use. If this service works for you, you can continue to use it! However, even though the app says I have $600 in purchasing power, it wouldn’t let me do an $80 purchase. This is actually the third purchase that it has declined for me since last month October 2021 so I don’t think I am going to be using Klarna much anymore. For the purchase I tried to do today, for a Black Friday deal, I was declined an $80 purchase so I had to use a different service (afterpay). Since I’ve been declined three different times since last month, and that I’ve been forced to use two other services besides Klarna, I am planning on using alternative apps in the future. I tried to give you my money!!! I tried and I’m sorry you don’t want it anymore!
  • Jan 21, 2022

    By shakira autry
    It keeps saying failed payment, wont allow me to make a manual payment, then adds it to next due date. If i wanted to pay that much out right i wouldn't use klarna. I have contacted customer service several times and noone has helped, they all say its nothing they can do. So im currently watching the payments stack up with each month.
  • 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.
  • Jan 21, 2022

    By Rashida Brunswick
    This app gives me so much difficulty with creating cards. It always freezing and having errors. Even reaching out to customer service the chat agent was too busy to answer me for 12 mins.
  • Jan 20, 2022

    By Shelby Laffin
    Not very helpful, more of a headache. I tried ordering dog food through klarna and petco; never was updated on anything, and it got canceled. Didn't know until the day it was suppose to be delivered and I had to go through the app to see it. Contacted Petco and they never even got an order from Klarna; contacted Klarna and they said everything was fine. Both pointed fingers at each other. The agent also wanted to see a screenshot of my bank account transaction? Heck no! Try Zip or sezzle instead
  • Dec 27, 2021

    By Selena Nena
    Afterpay is way better. They ask for a lot on your first payment. I recently had trouble with the total amount changing on an order, due to it being out of stock, but having a hard time getting help. The customer service was friendly, but not much help. All I need is that total amount corrected, I have all the proof.
  • 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.
  • 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.
  • It’s okay Nov 21, 2021

    By Kaiyla abc
    I have had problems ever since i created this account. For some reason my friend name got attached to my account and it too then MONTHS just to change it when i should be allowed to change my name on the account. Now they spelt the name wrong and also did not change the birthdate and I’m currently waiting for that to be fixed but their response time is extremely slow. It’s extremely hard to reset an account information because they make you contact customer service who takes WEEKS to get back to you. I hope they fix my issue soon. Instead of placing a hold on your account they take the actual money out and if you cancel an order they refund themselves back but not you. I am still waiting for my refund or $60 dollars. Another bad thing is my one time payment card got declined and they took the money out my account for the first payment before i got to use the card and now I’m waiting for them to refund me back that amount but because customer service is so slow i have to dispute the charges with my bank! I wouldn’t recommend this but because they have a lot more stores it’s okay.
  • 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.
  • Jan 21, 2022

    By Rebel Rob
    My review has been deleted three times now. There is no estimated amount you can borrow like other pay later apps, you have to guess an amount for your first card The 25% payments are bait and switch. They jack the first payment to more than double the 25% they advertise. The "no credit check" is false advertisement, a credit check is done with the 4 payment option. Will not be using again till they actually provide the service they claim, deserves no stars.
  • 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!
  • Jan 20, 2022

    By Tim
    They want to charge 50% for the first payment, and the other 3 in smaller payments. Okay, but why can't I pay 25% in 4 like in the original plan?? Why did it readjust??? I have the credit, I pay on time and everything. 50% is just too high, at that rate you might as well not even use the service... 😤😤😤😤
  • Jan 20, 2022

    By Brian Evans
    I just purchased a new phone so I had to re install the pp on the new phone. In order to login I have to verify email address and phone number by entering the verification number. The app sends a verification to my email but not my phone. I talked to customer service with my phone carrier and with Klarna but problem still not resolved. I'm pretty much stuck in hiatus till they contact me with fix to the problem.
  • 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. 👎🏻
  • Futile Oct 18, 2021

    By mel3567392
    Klarna is another fintech fail led by young yt guy. Customer service is non existent. I mean so non existent that I was on hold in the chat forA VERY LONG TIME to be connected with a supervisor. How long exactly? Put on chat hold 12pm Friday and it’s now Monday morning with no supervisor in sigh. I tried asking for help repeatedly in that time frame in the chat and got nothing. Second off I recommend the younger folks trying this out to research how credit cards got started and why they are so popular with banks and profitable (hint: they prey on all of us to make it easy to spend money we don’t have and in return spend months paying back with interest - insanely high interest). Klarna is srsly sinister. It’s clear this app is designed for ppl who can’t afford expensive items but will literally go into a payment plan to buy them instead of traditional credit card where interest accumulates immediately. Tips: ~test out a few low cost items to decide for yourself if this works. Do this over multiple orders (at least 3 different orders) ~DO NOT pay with any sort of klarna gift card or anything that would make returns difficult or tie you into klarna further ~ instead of paying this app each week for installments- save up that money for each week you would already be paying klarna and purchase your item with money in the bank. If you can’t save money like that then you need financial counseling.
  • 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!!!!!
  • Good to start but gone off the deep end Jul 29, 2020

    By sassypantalones
    I liked Klarna a lot at first, but then they changed their policies to be more on the side of merchants than customers. I bought something online from an independent seller than never arrived. I reached out to the seller for a refund and they refused despite my showing proof that it never arrived. At first, Klarna took my side and cancelled the order. Then a few months later, they tried to charge me again, so I reached out and they weren’t able to give back the money taken, but they did put a stop on the payments. Just today, I got a notification saying that I would be charged for this item once again. This time Klarna refuses to stop or cancel the payment and said it was due to a new policy. On top of that, one of their reps told me to just go to my bank and have them stop payments to Klarna. When I explained that this would cause my bank to stop ALL payments, even the legitimate ones, the rep basically said “oh well” and told me to do it anyway. So I guess Klarna would rather have people go behind their back to prevent banks from accepting their payments than taking responsibility and just cancelling the order. Bad business practice, bad customer service, and an all around stupid AF company. So go ahead everyone, just use Klarna and then stop payment with your bank because they clearly don’t care about running an honest business. Use QUADPAY instead.
  • Jan 17, 2022

    By D
    Nothing but problems from start to finish attempting to make an Amazon purchase. Created a card for $825 to pay for purchase. Enter the card info to Amazon and submit then the next day I'm told that my purchase was declined because I didn't request a large enough card, even though the card was for more than my purchase total on Amazon. Both customer service at Amazon and klarna point the fingers at each other and left me with two charges for the first payments and declined my purchase!!!

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