Klarna | Shop now. Pay later.
ShoppingKlarna Bank AB (publ)
Shop fashion, beauty & tech. Buy now. Pay over time. Manage returns.
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Great App. Easy transactions. Easy way to get what you need now & pay later. Very surprised at the amount of retailers this works with. I was skeptical at first but wow, after a couple weeks using and getting items I purchased with a low down payment than a payment plan it's changed my mind for the good. No high interest rates like credit cards. No up charges. The price you see is what you pay but in installments. 100% Great!
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Switched from AfterPay to this
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.
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Waste of time
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.
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This is a really handy app. It's convenient, allows you to purchase items and make smaller payments that are easier to deal with, set up auto payments which makes it very convenient so you're not late or don't miss a payment, which is very important. On the app you can check the status of your payments and even pay them off early if you want to. Very handy and convenient.
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I love this app. this makes buying things possible when your in a crunch. and it's the only app that you can use on any website. I use it all the time. the only issue I have had is it set I had a certain amount purchase limit but it wouldn't let me use that amount. I'd rather you only display the amount that I can actually use than just a random number.
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Great App. Easy transactions. Easy way to get what you need now & pay later. Very surprised at the amount of retailers this works with. I was skeptical at first but wow, after a couple weeks using and getting items I purchased with a low down payment than a payment plan it's changed my mind for the good. No high interest rates like credit cards. No up charges. The price you see is what you pay but in installments. 100% Great!
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Switched from AfterPay to this
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.
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This is a really handy app. It's convenient, allows you to purchase items and make smaller payments that are easier to deal with, set up auto payments which makes it very convenient so you're not late or don't miss a payment, which is very important. On the app you can check the status of your payments and even pay them off early if you want to. Very handy and convenient.
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I love this app. this makes buying things possible when your in a crunch. and it's the only app that you can use on any website. I use it all the time. the only issue I have had is it set I had a certain amount purchase limit but it wouldn't let me use that amount. I'd rather you only display the amount that I can actually use than just a random number.
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I just want to say THANK YOU! I'm a very frugal person. I look for the lowest prices of quality things. I HATE spending a lot of money at one time. I HATE credit cards even more. With this app, I've been able to buy the things we've needed & wanted over 4 payments. I've used the 6 payment option once but I'd rather use the 4. The app itself is easy to navigate. Even when it updates, it still is easy to navigate. Thank you so much for creating this.
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Used to love. But haven't been able to use in months. It logged me out and won't let me log back in. It refuses to send a verification to my phone. Always says try again later. Have cleared cache, uninstalled and reinstalled. Tried 2 different phones. Still no luck. Switching to a new pay over time app. Update: They responded very quickly to this review and I was able to log in again after all this time of not being able.
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Was great while it worked
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.
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Negative 10 Stars!
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.
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The concept is great but..
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🤣)
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Waste of time
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.
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This is pretty handy I've bought things I never thought I could afford never had any need to hit up support. (Edit) they put to many restrictions on what you can buy with their service. I had a late payment and it dropped my purchase power by a lot and now when I go to check out it tells me 4 even payments but when I complete the purchase it's more like paying the majority up front then having 3 $20 payments. Very annoying and will probably just switch to sezzel.
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I've had no issues with my payments or purchases. However, the app is buggy and glitches. After clicking on an item and returning back to scroll through more items, it keeps jumping back to that last item I clicked on. The app will also completely close out in the middle of my search. It's very annoying!
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Paid off account earlier than needed to end the frustration
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.
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I Agree with the Below
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!
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