Klarna | Shop now. Pay later. Customer ServiceKlarna Bank AB

Klarna | Shop Now. Pay Later. Customer Service

  1. Klarna | Shop now. Pay later. Customer Service
  2. Klarna | Shop now. Pay later. App Comments & Reviews (2024)
  3. Klarna | Shop now. Pay later. iPhone Images

SHOP NOW. PAY LATER.
When you shop in the Klarna app, you can split the cost of your purchase from any online store into 4 smaller, interest-free payments. And it works just as easily in-store, with Apple Pay. So you can get what you love today and pay later.

NEW DEALS EVERY DAY.
Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a simple tap. And check back in tomorrow – we add new shopping offers all the time.

UNLOCK A $5 WELCOME REWARD.
Join Klarna’s rewards club and get rewarded for all your shopping. Sign up for free in the Klarna app and unlock a $5 welcome reward after just 1 complete payment.

TRACK ALL YOUR DELIVERIES.
Get live updates with delivery times, pickup codes, and even photos of a pickup point to help guide the way. So go ahead and follow that truck, from purchase to pick up in the Klarna app.

GET PRICE DROP ALERTS.
Save items in Collections and never pay full price again. Each time you save an item, an automatic price drop alert is set. That way, when the price drops you will know. You can also share your Collections with family and friends.

PERSONALIZED INSPIRATION.
In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping. It doesn’t matter if you love fashion, beauty, tech, or whatever – we’ve got something for you.

INCREASE YOUR SPENDING LIMIT.
The more you shop and pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock which allows you to spend more. And, you'll also gain access to even more exclusive deals and offers!

HASSLE-FREE RETURNS.
Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime.

MANAGE YOUR PAYMENTS.
Pay later without surprises. When you shop with Klarna, you get a complete overview of all your purchases and finances. And you can even make early payments or extend your due date.

INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something through the Klarna app, you'll see your purchase just seconds after you place your order.

24/7 CUSTOMER SERVICE. Get round-the-clock service whenever you need it using our chat right in the Klarna app. Try smoooth shopping in the Klarna app. It’s shopping like a VIP. Without an annual fee.

// CA resident loans made or arranged pursuant to a California Financing Law license. //

Klarna | Shop now. Pay later. App Comments & Reviews

Klarna | Shop now. Pay later. Positive Reviews

Has been good in the past, but lately not.Just as many others have stated, their experiences and mine were ok in the past but lately, even though my purchase power has increased and my credit score Etc., I am not being approved even for the smallest purchases and their customer service can never give you a solid reason. It can be frustrating and time confusing to shop and make a list, then get declined and not get a reason why. Customer service will always say it's system generated and they cannot give a specific reason and there's nothing they can do. I may as well use Affirm or Quadpay because Last month and now this month, I'm simply wasting my time with Klarna and I'm not getting a reason why. My account limit has increased significantly, but I can never get approved even with the smallest, minimum purchase. They just are not worth it anymore, due to having to shop first, prepare a list of items, only to be declined and not being able to know up front. It's basically misleading to state that I'm up to date "great," increase my spending limit, then decline me at the end of preparing my shopping list. No longer worth going through all that, just to be declined and not given a reason..Version: 22.43.235

Great until they’re notLet me start off by saying I love Klarna or used to. They were the og payment app for me. I have recommended them to everyone I know even though I also use affirm, quadpay, and after pay. I have been using Klarna for a few years now and have used their app more times than I can count. Seriously, I have had a million transactions through them. I have always had on time payments and most times paying stuff off early. For some reason lately they flat out won’t approve me for anything even though I have almost everything paid off through them so far. I have borrowed over a thousand from them in one transaction before but now they won’t even let me borrow two hundred. My credit score has significantly increased since I first started using them so that can’t be considered a factor in their decision. I should be able to borrow their max amount at this point since I’ve beyond built that trust with them but lately they seem to be treating me like I’ve never used their app before. I’m just beyond frustrated with the service I’ve been getting from them recently. I have started using affirm and quadpay instead. Even though I haven’t used those two near as much as Klarna they still give me a significant spending amount and I never have an issue with being approved for what I want. I wish Klarna would function the way they used to when I first started using their app. I don’t know what has changed but they’re starting to lose a lot of loyal customers because of it..Version: 22.24.181

Waste of timeThis 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..Version: 21.24.180

Switched from AfterPay to thisI 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..Version: 21.38.173

THEY WILL PUT YOU IN DEBT (took $10k from me)Hi! this app is definitely wonderful, however, don’t let those google fools fool you when they say klarna will not affect your credit or put you in debt. this is false information that will actually definitely kill your vibe with this app. long, long story short: i went through an unforeseen patch in my life where i went from financially stable and happy years to broke in like a couple of days span. at that time, i had some payments with klarna that i had to settle. i owed them around $50, and they did have a really kind grace period, HOWEVER, they ended up sending me an email saying debt collectors would get involved in 24 hours if I did not pay my debt to them (this was a week before my grace period time was up, so i was upset about that). as said, i was in a really bad time financially, so i couldn’t pay. i’m young and assumed they would only take what was needed (the money i owed them), but they took $10,000 out of my account. i managed to get the $10k off my account, but it tanked my credit. i was able to file for bankruptcy and have my friend take the debt off my credit however, so no harsh complaints from me. THE ONLYYYY problem I have is the fact that they didn’t follow through with the max time for their grace period..Version: 22.43.235

No longer working!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..Version: 20.8.59

It WAS a great app NOW not so much!I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay..Version: 19.42.42

Happy and satisfied customerAs a single man who never really had to shop before not only have you made it super easy you have made it so convenient. You have provided me with so many options and so many different companies. I was forced into retirement at 53, do to lifelong illness, muscular dystrophy although I worked as a master mechanic 43 years 20 plus years I owned and operated my own shops. Married at 18 years old I thought we where truly sole mates till at 53 and paralyzed from waist down the only women I ever been with and treated like a Queen said and I quote since I can’t work she would be better off if I was dead and gone. Well I’m not dead but I gave her what she wanted im gone. Leaving with only the close on my back I gave her everything. Now you know why I think so highly of this company. In the last 4 months I purchased a whole house full of furniture and everything you need to go with it. Also a new house Harley Davidson a horse and anything else I want. Once very hurt and broken hearted now one happy go lucky bachelor with everything I need 90% purchased and payed in full because of buy now pay later. Thank you one totally happy customer.Version: 22.23.182

Rewards & Minimum Amount of PurchasesI’ve been using Klarna for years and only god knows how many times I done used Klarna for past purchases! Used it countless things & countless times. Bills, clothes, grocery shopping, plane tickets, shoes, anything you can probably think of I did it! Klarna was in my Top 5 most used apps! However, recently things changed. I had rewards lined up and finally chose one that was expiring. I chose the reward to be a $5 Nike reward. Coming to find out, the reward isn’t a gift card anymore & I have to spend at least $20 for my order to use my reward. In the past, I could just my $5 reward anytime without extra stipulation. The minimum purchases I noticed changed too lately. It was previously at least $10 but now it’s $35+. I recently found out by wanting to get some slip resistant shoes from Walmart. I was completing the transaction creating my One Time card and then I seen the $35+ minimum purchase warning. I was shockingly disappointed/upset. I can’t even tell you how many transactions I overall had that was overall below $35. To be honest, I sometimes I would have the money for the full total but I would choose to use Klarna just because. I often just use Klarna and use the remaining money elsewhere if all that make sense.Version: 23.8.181

I LOVE this appI use this for big purchases, and for sites like Etsy. It’s irritating when I buy one thing at a time, so I’ll pick a couple things and just pay it off over time. If you’re terrible at budgeting like me, it doesn’t make you wait until your due date to pay, you can pay right there and then. You can also extend your due date, I’ve never used this feature but I’m sure it comes in handy. With each purchase, your ‘purchase power’ goes up, it also increases every time you make a payment. If you stay on top of it, it’s a great tool. There are also a lot of stores you can use it at, but if it’s not on their list you can still use Klarna, like I bought a coat at L.L Bean but that’s not one of their partners. I was still able to do a one time purchase through them, you just search for it and then click ‘search on google’ and then hit pay and itll prompt you to create a one time card. Either way, there list is pretty extensive, I have yet to find a store that isn’t on their list so I’m not sure what some people are talking about when they say there’s only a ‘handful of stores’ you can use it at..Version: 21.50.245

No approvalI’ve been reading some of these reviews of people having the same trouble, the same auto-generated denial of a purchase, the same frustration and the developers response is always the same.. “we don’t know why”. The reviews I’ve been reading are from June-august 2019, it is now April 2020 and still no updates to their system. And these reviews are right on par with what happens when you talk to customer service as well, There’s a number of factors that determine whatever etc etc. My purchase was for $89; $22 every two weeks, not accepted by klarna, talk to support, he essentially tells me to just keep trying because he can’t tell me at what price that I MIGHT get approved, or what exactly is going wrong on why I’m not being accepted, “you might be approved for a lower amount, or if I try again later” tried it again for a $50 purchase same website, no go. There are at least 3 other sites that offer what you do and its none of the hassle. Why is this still an issue!? And no I don’t need you to go over your approval process with your customer service I already did that. It’s stated above and you were not helpful!.Version: 20.15.76

AMAZINGI’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 💗💗💗.Version: 20.19.112

I love this app!This app is great for people that don’t have credit and are wanting for buy larger purchases by paying smaller payments at a time. There’s only 2 catches, which should be seen as a responsibility. For starters, you can’t just buy any item that you want and connect your bank account with no money in it. Your order will cancel if you cannot pay Klarna back and will limit your spendings or potentially enable you from buying anything at all. This is a trust app so don’t take that first time trust for granted. Secondly, you can’t start out making larger purchases that may be up to 100s of dollars. I started out using klarna for $20-$60 purchases and the more often that I used it, the larger my “purchase power” became. If you would like, there is an option to buy larger purchases and pay them off over time, but that first purchase is going to be more expensive than the rest. Personally, I like to build my trust and have the ability to make bigger purchases. Although, I always make sure that I am going to have the money for it at the time of automatic withdrawals..Version: 22.10.247

Amazing app!I absolutely LOVE!! This app. Aside from it being able to purchase from ANYWHERE I choose, the selection of retailers /boutiques/online stores etc is friggin huge. I do a lot of international purchasing since I purchase essentials for my business online, so it is a tad disappointing that I can’t buy fro certain international retailers. Like DHgate especially. Alibaba is great but the majority of items from them need to be purchased in massive quantities where as sites line DHgate allow you to choose the quantity you need, and I spend a lot** of money on that site so because Klarna doesn’t necessarily offer their services for that site(even though it’s on the authorized site list for purchases), I’m unable to use my benefits for something 100% necessary to my every day life/future. I’ve tried countless times to use it but the platform won’t accept the one time cards that the app creates. The other thing is the one time cards. THEY DO NOT ALWAYS WORK!!! IF THEY EVEN REALLY EVER WORK AT ALL. I’ve had ZERO luck with my OTCs. I love that i get to see exact numbers and details in regards to my purchases and purchase power!.Version: 22.44.251

It started out great, but something changed.I used this app quite a bit and I haven’t missed a payment and always paid on time. I’m not exactly sure what happened and it seemed to happen to others as well in the same exact way. I had built my credit history to $2600+ and only use about half that. One day, I notice my purchasing power dropped to $0. I talked to one customer service and she said that I was recalculated (which I wasn’t) and another one (about two weeks later) told me it’s based on the use. I explained to him to what I mentioned earlier and he said uninstall the app and re-install it and wait 24 hours. Now I got $25 in purchasing power. As far as I’m concerned, they can keep it, there are others like them. I signed up with zip pay and already got a decent purchasing power. After I finish paying off Klarna, I think we will part ways. Response to the developers: I guess that’s the Canned excuse to give all your loyal customers. Don’t worry, after I’m paid off, you don’t have worry about responsible lending practice with me, I’ll be doing businesses with your competitors..Version: 22.27.49

Changed…for the worseI see other reviews on here that mirror my experience. I have used Klarna for a little over a year, and was for quite a while very happy with them. However, there has been a fairly consistent decline in performance in recent months. Now it will hardly approve me for anything, despite the fact that it shows me a large amount ($$) available in my spending power. What is the point of having an available spending amount, if you are going to decline purchases that are equal to or less than that amount? Bear in mind that all the while, I have paid down my purchase total substantially, so all indicators should be favorable. The bottom line to me is, I need to be able to rely on the information provided regarding purchasing power, so that I can make reasonable decisions about purchasing in life. If that information is an accurate as it is here, it is no longer useful to me. In my opinion, Sezzle, Zip, and Afterpay are all more reliable and trustworthy products, and none of them will leave you wondering if you can *truly* use your available buying power (clearly displayed in your home page). Save yourself the frustration, time, and embarrassment!.Version: 22.37.228

So convenientSo helpful to stay on top of all of my purchases and payments. I just bought a house so it’s also nice to not have all of my purchases for everything hit at the same time..Version: 22.6.198

RecommendedI recommended for everyone really amazing app really helpful so you can be wherever you want and you can pay biweekly so nice. They trust you even if you have bad credit it’s an amazing company..Version: 24.4.245

Don’t use if in canadaThis only works on 2-3 stores in canada and you can’t make a one time card nor can you purchase through online retailers..Version: 22.18.281

Budget friendlyImagine getting what you want in your own pace. Shopping is more exciting with Klarna, not only do you get rewards but you get so monitor your spending habits.Version: 23.50.182

Awesome thanksTrue and the only reason.Version: 23.50.178

Love itBest place I have dealt with, quick adjusting my account in returns, gives me option to get things that I can buy straight out.Version: 23.16.179

Saved us from domestic abuse situationMy son left a horrible violent relationship, being 2 provinces away from him, we flew his brother to help using westjet gift card. Where were they gonna stay out in bc till they could pack up and move back to Saskatoon. I had booked a air bnb. I booked a room, not reading it properly saw it was for 1 person, I spent all we had left on the booking, the host did refund part but I wouldn’t get it immediately. I booked a different airbnb and as I check out Klarna was there. The first payment I could cover and the rest came out every 2 weeks till paid in full. This helped our family tremendously in a financially strapped situation. If klarna wasn’t available my boys would of slept in a car in Vancouver. Thank you for being there!!.Version: 23.38.117

AppleIn the Klarna app, it shows that I can purchase from apple in installments but when I check out in Apple it doesn’t show me the option to pay with Klarna. Is it because I’m in Canada?.Version: 23.6.197

I didn’t have an issue with KlarnaI jumped on my last review. I read to many bad ones and expected the worse. I did end up making the return because I wasn’t a fan of my boots. I believe Klarna stated in my email that it could take up to 9 business days for my refund. It only took 2. I didn’t have any extra charges and quite pleased how everything worked. Of course the only think I don’t like is the government ID that was needed and the Co2 trail that you make which is kinda bogus but I do know the whole purpose of it all. Do I agree? NO. Can’t I stop what’s going on? NO. Does AI have all of our info? YES. Can we stop it? YES, if we move to a bush and out of society 🤷🏼‍♀️ The payment system did the job properly on my end so I can’t complain. I do give it 5 stars for my 1st purchase/return..Version: 22.48.104

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 24.12.287


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