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Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

Shop any store. Anywhere.

4.4 Ratings 423K+ Reviews 10M+ Downloads

About Klarna | Shop now. Pay later.

Ratings & Reviews

4.4
423.2K+ Ratings
  1. 5
    78+%
  2. 4
    7+%
  3. 3
    3+%
  4. 2
    2+%
  5. 1
    9+%
Write a Review
  • 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.
    more
  • Jan 25, 2021

    By Jackie H
    I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found it.
    more
  • 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 💗💗💗
    more
  • Jan 15, 2021

    By Jia Pia
    Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!
    more
  • Jan 22, 2021

    By Carey Slocum
    Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
  • Jan 24, 2021

    By Andrea Epifano
    Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!
    more
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
    more
  • Jan 21, 2021

    By Leslie Salinas
    Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never again
    more
  • This app used to be my fav Jan 20, 2020

    By LéShea14
    When I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭
    more
  • Jan 24, 2021

    By T Nichols
    Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue

No reviews available

  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
    more
  • Jan 25, 2021

    By Jackie H
    I used to use Walmart layaway but our local Walmart stopped that program. I really thought I was out of luck for the holiday season as it's hard to buy for three kids. Four payments really makes it easier on families with a tight budget. Klarna was A lifesaver. You can basically buy from any major retailer. I'm so happy I found it.
    more
  • 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 💗💗💗
    more
  • Jan 15, 2021

    By Jia Pia
    Klarna is my favorite split 4 program! The app is so easy to use. Almost too easy! I like that my payments are right there for me to see, and it's easy to navigate to whatever information I may need. The great thing is that if there is a problem, customer service is so kind and considerate of your time and your feelings. Sometimes, there are hiccups (I was approved, I took something out,then I wasn't approved anymore), but it doesn't happen anymore luckily. A+!
    more
  • Jan 22, 2021

    By Carey Slocum
    Klarna is the very first app I'd ever heard of allowing you to buy now and pay later. I will always keep Klarna on my phone!
  • 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.
    more
  • Jan 16, 2021

    By D Reilly
    I have had nothing but great experirnce with Klarna...easy to use, and love all the stores that are open to me to shop. I know now, if I want something I can get without the worry of saving forever. I can just go to the store and order with low payments every two weeks that are affordable! Only problem is I cannot join the rewards program Vibes. I bring up the info but toliet to join is at bottom and it's like it's cut off..I click where I think it should be but all words are scrambled. Help@
    more
  • Dec 31, 2020

    By Jennifer Bell
    Its pretty easy to use and I love the variety of placed you can use it online. I don't like however it only gives you 24 hours to use the virtual card. When trying to purchase a PS5 and was unsuccessful in securing one, the card said used and 0.00 charged, I still had to wait for my initial payment to be refunded and wait for the merchant to process my $0.00 charge. It makes no sense to wait for a $0.00 charge to release my funds back to my account which takes up to 5 days. Flexibility is great.
    more
  • 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.
    more
  • Jan 18, 2021

    By J Doe
    I was excited! Cute clothes, plus size and inexpensive. But in person everything looked different, the fabric was thin and they were almost all big. The variance makes me think their items are sized inconsistantly. The teddy, however, is perfect. Now I have to wait 2-3 months for them to process my return. My response to their reply: What good will contacting them do? It wont change the size, the style or the quality. But they did respond. You get what you pay for, sometimes.
    more
  • 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.
    more
  • Jan 24, 2021

    By Andrea Epifano
    Overall Fustrating!!! I can't understand for the life of me how I get to make 2 purchases totalling around $600.00, paid them both off with no problem. Now, want to make another purchase, and it keeps getting declined. There has to be more of a clear cut limit you have to spend, this will approve you this time and next time we won't, too unpredictable/wishy washy for me! I like to know what I have to spend, so if I had a critical item to purchase, I don't have to think approval or not!!
    more
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
    more
  • Jan 21, 2021

    By Leslie Salinas
    Although this is a neat way to make payments for people that benefit from it ... I have had the worst experience im being over charged not knowing true balance .. I have called and dispute over phone customer service is very poor representative are polite but having resources to help and solve customers problems is a big fail ... I hope they refund me my money even if they don't never again
    more
  • This app used to be my fav Jan 20, 2020

    By LéShea14
    When I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭
    more
  • Jan 24, 2021

    By T Nichols
    Couldnt get the app to work properly when purchasing it kept saying my debits couldnt work even though a family member with the same bank got it to work just fine with no issue

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