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Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

Easy shopping, easy payments

4.8 Ratings 823K+ Reviews 10M+ Downloads

Ratings & Reviews

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  • Nov 22, 2021

    By Luna Azzurro
    I bought a 2000 dollar "love" doll with Klarna. Absolutely worth it. The interest wasnt too bad either. Though my credit isn't horrible, it's still getting better, so I was happily surprised they accepted me! The app itself is pretty easy to use and even notifies you if items you want to get go on sale. So not only can you make payments on it, but you can buy it on sale as well. Combine it with the app Honey and you can save quite a bit and make payments.
  • 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.
  • 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.
  • 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.
  • Nov 22, 2021

    By A.N. Johnson
    ABSOLUTELY LOVE Klarna. I've used this app & the Klarna's services several times and I'm very satisfied with them. The app runs smoothly, no issues. I highly recommend that ppl try Klarna out, especially with the holidays coming up
  • Nov 22, 2021

    By Matt
    This is the best app for making purchases!! Not only did they approve me for a nice amount of money and even though the item cost more I was still approved and able to get the item. No issues. It's my go to app for making purchases
  • Nov 20, 2021

    By Carrie Moran
    Klarna makes it so easy to not sweat about spending money on bigger purchases without dealing with credit card debt. The only thing that would make it better is if I get redirected while shopping or need to take a phone call or answer a text that it didn't take me completely back to the main klarna screen. more annoying than anything else.
  • 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 💗💗💗
  • Nov 18, 2021

    By MzThang9974
    I've love this app since I began using it during the beginning stages of Covid-19 last year. But lately, when I log in, it doesn't request my fingerprint to sign in like it normally does. Why is that? That needs to be fixed because my financial info is saved on the app to pay for my purchases. 4 stars until that is rectified. But I still LOVE the app
  • Nov 21, 2021

    By Julia Johnson
    The only downside to Klarna is how often I can't not get frozen on a site when going from the app, randomly incorrect payment plans recently and that it keeps signing me out, then I've to get on another device (if I've one with me), check my emails to get a code because otherwise I get stuck on an infinite loop of having it send as the app doesn't keep that screen open when checking emails/texts starting over the process.The kinks must be worked out as currently I've been so frustrated.
  • Nov 22, 2021

    By Luna Azzurro
    I bought a 2000 dollar "love" doll with Klarna. Absolutely worth it. The interest wasnt too bad either. Though my credit isn't horrible, it's still getting better, so I was happily surprised they accepted me! The app itself is pretty easy to use and even notifies you if items you want to get go on sale. So not only can you make payments on it, but you can buy it on sale as well. Combine it with the app Honey and you can save quite a bit and make payments.
  • 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.
  • 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.
  • 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.
  • Nov 22, 2021

    By A.N. Johnson
    ABSOLUTELY LOVE Klarna. I've used this app & the Klarna's services several times and I'm very satisfied with them. The app runs smoothly, no issues. I highly recommend that ppl try Klarna out, especially with the holidays coming up
  • Nov 22, 2021

    By Matt
    This is the best app for making purchases!! Not only did they approve me for a nice amount of money and even though the item cost more I was still approved and able to get the item. No issues. It's my go to app for making purchases
  • Nov 20, 2021

    By Carrie Moran
    Klarna makes it so easy to not sweat about spending money on bigger purchases without dealing with credit card debt. The only thing that would make it better is if I get redirected while shopping or need to take a phone call or answer a text that it didn't take me completely back to the main klarna screen. more annoying than anything else.
  • 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 💗💗💗
  • Nov 18, 2021

    By MzThang9974
    I've love this app since I began using it during the beginning stages of Covid-19 last year. But lately, when I log in, it doesn't request my fingerprint to sign in like it normally does. Why is that? That needs to be fixed because my financial info is saved on the app to pay for my purchases. 4 stars until that is rectified. But I still LOVE the app
  • Nov 21, 2021

    By Julia Johnson
    The only downside to Klarna is how often I can't not get frozen on a site when going from the app, randomly incorrect payment plans recently and that it keeps signing me out, then I've to get on another device (if I've one with me), check my emails to get a code because otherwise I get stuck on an infinite loop of having it send as the app doesn't keep that screen open when checking emails/texts starting over the process.The kinks must be worked out as currently I've been so frustrated.
  • Nov 24, 2021

    By Tina Goodall
    Was good at first, great actually, I had accumulated up to a $1700 spend limit, had $600 in purchase power left, a month ago, spent $200, then somehow when I spent that $200, I now have $0 purchase power, I have made payments on time or EARLY, and my credit has went UP, when speaking to customer service they says it's all automated, nothing they can do, STAY AWAY THEY WILL SCREW YOU WHEN YOU NEED IT MOST!! Month later STILL $0 purchase power with NO resolution!!
  • 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!
  • Nov 23, 2021

    By Justin Conway
    FRAUD! BEWARE!!! I have tried to use the service at 2 stores now and both stores declined the purchase. Klarna still charged my account and is refusing to give it back. How can they take money for a payment on a purchase that was declined!?! I understand the need for buy now pay later services, just don't use this one! I had good luck with Affirm, Afterpay, and Zip. DON'T TRUST KLARNA!
  • 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!!!!!
  • Nov 14, 2021

    By Kris Tanner
    I used them "successfully" once and unsuccessfully a second time. The first time my order was cancelled since the one-time card no longer worked, I had paid more than the order in my first payment, and had to jump through tons of hoops to get my money back. The second time they wouldn't even approve me for a $60 purchase that I just wanted to split between paychecks and couldn't tell me why. Don't waste your time use afterpay or affirm. Horrible customer service and a horrible service.
  • Nov 16, 2021

    By Gregorio Carrasco
    DO NOT USE THIS SERVICE!!!!!! This is the worst app with the worst customer service. Don't recommend. I applied for the buy now pay later program. It says I was approved and my $1,000 worth of tickets purchased was approved too. But they are nowhere to be found on their app or ticketmaster. I call and just get the run around. Been 5 days with no resolution.
  • 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.
  • Nov 18, 2021

    By Charles Lee
    When I was told about this app I was told no initial payment would be needed. As I proceeded to look into it they do want an initial payment upon purchase. Also they want you to select how much your going to spend. Not everyone knows how much they are going to be spending. (Side note) I literally just wrote a review and it got deleted. So this will be the second and last one.
  • 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. 👎🏻
  • Nov 23, 2021

    By Samantha Saunders
    Going to try again but I tried to use Klarna in the past and for some reason it was saying my bank account wasn't compatible. If my job can put money in my account every two weeks and I can pay my bills and every other company can take money out I don't see what Klarna problem is.

No reviews available

No reviews available

  • Nov 22, 2021

    By Luna Azzurro
    I bought a 2000 dollar "love" doll with Klarna. Absolutely worth it. The interest wasnt too bad either. Though my credit isn't horrible, it's still getting better, so I was happily surprised they accepted me! The app itself is pretty easy to use and even notifies you if items you want to get go on sale. So not only can you make payments on it, but you can buy it on sale as well. Combine it with the app Honey and you can save quite a bit and make payments.
  • 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.
  • 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.
  • Nov 22, 2021

    By A.N. Johnson
    ABSOLUTELY LOVE Klarna. I've used this app & the Klarna's services several times and I'm very satisfied with them. The app runs smoothly, no issues. I highly recommend that ppl try Klarna out, especially with the holidays coming up
  • Nov 22, 2021

    By Matt
    This is the best app for making purchases!! Not only did they approve me for a nice amount of money and even though the item cost more I was still approved and able to get the item. No issues. It's my go to app for making purchases
  • 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 💗💗💗
  • Amazing! May 25, 2019

    By My20coins
    Klarna allows the ability to make a larger purchase & pay in installments every two weeks over a 6 week period of time, making it easy to pay off the balance quick while getting your merchandise immediately. I absolutely love it. I’m hoping for the option to payoff the balance early, but definitely not complaining. Their customer service is excellent as well; The first time I used Klarna I made a purchase from a company, but quickly cancelled the order. The company cancelled it, said I would be refunded within 3-5 days. I wasn’t confident they had begun my refund process by notifying Klarna, so I called Klarna on the 5th business day and found out the company had not notified Klarna. The rep actually called the company with me on the phone and she processed it. I received the email while I was still on the phone, Klarna was notified as well, and they refunded me by the 3rd business day. That was further confirmation that it was safe to use Klarna so I proceeded to make another purchase. I can’t wait to pay off my current purchases bc I already know what I’ll be getting next lol
  • Nov 21, 2021

    By Jessica Moore
    I love this app, If you don't want to use your credit cards for credit reasons I would use this. They have 2 payment plans:6 months interest fee and a pay in 4 plan.
  • Terrible App! Very poor or almost no customer service Sep 27, 2019

    By AngeloMalik
    I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.
  • Heaven Sent Feb 16, 2021

    By peopledoexist
    I super super love using KLARNA. With the pandemic going on, a lot of us.. most of us... are struggling with financial hardships. It’s really difficult sometimes to focus on which we should be prioritizing first especially those who have family to take care of, bills to pay, rent ,mortgage , car payments and more. But we sure need to pamper ourselves too. With the tight budget, we cannot afford to buy things even if we really wanted to because we need to attend to our financial obligations to our family. Thank God there’s KLARNA. We can shop and we don’t have to worry about paying bigger amount upfront. Klarna helps big time with people like me. Because with Klarna, we can buy things and we don’t need to feel guilty about burning money in one time payment. The pandemic is triggering a lot of anxiety, stress, depression etc etc... but with the help of Klarna, we can do a little retail therapy to indulge ourselves or reward ourselves for doing a good job surviving this Global Pandemic. Thank you so much Klarna for all you guys do. Very helpful,very reliable, very efficient and trustworthy.
  • Nov 20, 2021

    By Carrie Moran
    Klarna makes it so easy to not sweat about spending money on bigger purchases without dealing with credit card debt. The only thing that would make it better is if I get redirected while shopping or need to take a phone call or answer a text that it didn't take me completely back to the main klarna screen. more annoying than anything else.
  • Nov 18, 2021

    By MzThang9974
    I've love this app since I began using it during the beginning stages of Covid-19 last year. But lately, when I log in, it doesn't request my fingerprint to sign in like it normally does. Why is that? That needs to be fixed because my financial info is saved on the app to pay for my purchases. 4 stars until that is rectified. But I still LOVE the app
  • Nov 21, 2021

    By Julia Johnson
    The only downside to Klarna is how often I can't not get frozen on a site when going from the app, randomly incorrect payment plans recently and that it keeps signing me out, then I've to get on another device (if I've one with me), check my emails to get a code because otherwise I get stuck on an infinite loop of having it send as the app doesn't keep that screen open when checking emails/texts starting over the process.The kinks must be worked out as currently I've been so frustrated.
  • 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🤣)
  • 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!
  • 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.
  • Nov 23, 2021

    By Susan Maldonado
    This app is nice , I don't like they pick the date to repay it back " ...we should be the ones to select dates since we are the ones paying it " ....
  • 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!
  • It’s amazing when it works Dec 14, 2019

    By Moonlight0595
    I’ve had this app since July, and it has been a godsend for grocery shopping, gifts, and the occasional splurge on myself. 4 easy payments and it automatically takes the money out. However there went a time where it declined everything I would try to do, almost two months! I contacted support and got the same answer. The system is automated and makes a decision each time and different things can cause it to go through or not go through. It really scared me because the main use I wanted it for was my daughter’s bday. Luckily it started working almost a week before her bday. I tried again today for Christmas shopping and I’m getting declined again. Like I said the app is amazing, however it’s not guaranteed. I don’t like being stressed wondering if I’m going to be approved or not for crucial purchases. I hope in the further the system they use to make the decision gets better because even loyal customers are getting screwed over by the decision making process.
  • 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.
  • Nov 22, 2021

    By Chase Lasswell
    Klarna is amazing in itself but the app is actual trash. If you're wanting to shop Target for instance just go to target on desktop or use their app. Shopping THROUGH the Klarna app is literally impossible. It is a janky, useless app.
  • Nov 12, 2021

    By wesley martin
    Would have been 5 stars. I've had this app for about 2 years. I had almost $1,100 available credit. Then the "soft credit check" came about now I have half that. I may not have the best credit, but I've never missed a payment with y'all. I feel I should have great credit with Klarna. Fantastic app, untill that update.
  • 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.
  • 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.
  • 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.
  • 🙄 Aug 29, 2019

    By troserey
    So originally I absolutely loved Klarna. It’s efficient and really helpful when you’re on a budget but need something now. But after returning an item and the store issuing a refund on August 6, Klarna started to claim they never received my money when I have clear screenshots that they did. Every representative I spoke to told me to wait two days and that they’d create a ticket for my issue for a specialist to take a look and every couple days when my money wasn’t refunded I’d check back in and be told the same thing. Finally, on August 26th someone tells me they’ll forward my issue to a specialist who should get back to me in 1-2 business days and this is already a week after I should’ve received my refund which should have been issued 10 days after the store refunded the money. So now we’re at 17 business days. Someone finally gets back to me today, August 29th, to tell me that they’re very sorry and I should receive my refund in A COUPLE MORE WEEKS, because they’re back logged on refunds. I loved Klarna, but if I’m going to have an issue with getting my money back for whatever reason it’s honestly not worth it.
  • Such a let down Sep 24, 2019

    By Joey Chubbs
    Klarna is the best thing ever... UNTIL IT ISN’T! I stumbled upon a Klarna ad and thought it was too good to be true. I made my 1st purchase and had no issues. 10 purchases later, I was as happy as could be. Then one day I try to purchase some shoes. (Which I’ve done before) and this error comes up saying “You are not approved for a ghost card at this time.” Some small facts are I have NEVER missed a payment and ALL my debts were paid off to Klarna. Needless to say, I was an exceptional customer. I reached out to customer service because this had to be an error right? Customer Service was a complete waste of my time. They said, “Oh yes, we see you have a perfect payment history and we thank you but our decision system is automated and we cannot override its decision.” One rep said, “Delete the app, then reinstall.” Another rep said, “Try something cheaper because you probably have a spending limit.” All responses were generic and just a complete waste of my time. I’m DONE with Klarna. Thanks for the good run because you have been utterly USELESS as of late! So much for rewarding customer loyalty right?!
  • 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.
  • Nov 24, 2021

    By Tina Goodall
    Was good at first, great actually, I had accumulated up to a $1700 spend limit, had $600 in purchase power left, a month ago, spent $200, then somehow when I spent that $200, I now have $0 purchase power, I have made payments on time or EARLY, and my credit has went UP, when speaking to customer service they says it's all automated, nothing they can do, STAY AWAY THEY WILL SCREW YOU WHEN YOU NEED IT MOST!! Month later STILL $0 purchase power with NO resolution!!
  • 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!
  • Nov 23, 2021

    By Justin Conway
    FRAUD! BEWARE!!! I have tried to use the service at 2 stores now and both stores declined the purchase. Klarna still charged my account and is refusing to give it back. How can they take money for a payment on a purchase that was declined!?! I understand the need for buy now pay later services, just don't use this one! I had good luck with Affirm, Afterpay, and Zip. DON'T TRUST KLARNA!
  • 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!!!!!
  • Nov 14, 2021

    By Kris Tanner
    I used them "successfully" once and unsuccessfully a second time. The first time my order was cancelled since the one-time card no longer worked, I had paid more than the order in my first payment, and had to jump through tons of hoops to get my money back. The second time they wouldn't even approve me for a $60 purchase that I just wanted to split between paychecks and couldn't tell me why. Don't waste your time use afterpay or affirm. Horrible customer service and a horrible service.
  • Nov 16, 2021

    By Gregorio Carrasco
    DO NOT USE THIS SERVICE!!!!!! This is the worst app with the worst customer service. Don't recommend. I applied for the buy now pay later program. It says I was approved and my $1,000 worth of tickets purchased was approved too. But they are nowhere to be found on their app or ticketmaster. I call and just get the run around. Been 5 days with no resolution.
  • 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.
  • Nov 18, 2021

    By Charles Lee
    When I was told about this app I was told no initial payment would be needed. As I proceeded to look into it they do want an initial payment upon purchase. Also they want you to select how much your going to spend. Not everyone knows how much they are going to be spending. (Side note) I literally just wrote a review and it got deleted. So this will be the second and last one.
  • 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. 👎🏻
  • Nov 23, 2021

    By Samantha Saunders
    Going to try again but I tried to use Klarna in the past and for some reason it was saying my bank account wasn't compatible. If my job can put money in my account every two weeks and I can pay my bills and every other company can take money out I don't see what Klarna problem is.

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