Klarna | Shop now. Pay later. app

Klarna | Shop now. Pay later.

4.8
4.8 star

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 free rewards club, Vibe, and get rewarded for all your shopping. Sign up 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 Wish lists 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 Wish lists 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.

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Klarna | Shop now. Pay later. App Reviews (339,489)

What happened to payment reminders?I used to love this app but for some reason I no longer get reminders to pay on the due date. I can’t seem to reinstate this option? Why was it removed as it was the best feature?! Klarna is a fab system but I don’t like missing payments or having to log on daily to check for payments due..Score: 3/5

PaymentsLove this item buy before u pay gives u chance to see product first.Score: 5/5

UselessDidn’t recognise billing address After this issue was fixed, app blocked purchase.Score: 1/5

FantasticSo easy to use. So helpful.Score: 5/5

Not happyI have been trying to pay my bill for over three weeks and it will not let me in this app . Been on to customer customer service not much good there either so annoyed and frustrated 🙏hell I only want to pay and it will not let me.Score: 1/5

Stupid not impressedSo I used Klarna a few times for small amounts of money to try it out and I was happy. I then applied for an account which I was accepted. Now every time I try to use it no matter the amount, it won’t let me and says it’s because of poor credit rating. “I don’t think so “ sort it out Klarna or just cancel my account. What’s the point in accepting me if I can’t use it for literally anything!!!! Also , customer service is awful. No one can ever tell me anything as to the reason why I have an account but can’t use it. Don’t bother!!.Score: 1/5

AmazingHighly rate this app.Score: 5/5

UselessI downloaded the app and tried to setup 4times so far. It just keeps telling me to get the app. I had done everything I was asked to created the account but no joy. I have better things to do with my time then go round and round in circles.Score: 1/5

No notifications for late paymentThe app doesn’t notify when there are payments due soon, which feels like the whole point in having the app in the first place..Score: 1/5

Best instalments appLove that i can save money and spend on the things i need with monthly payments they even let you extend payment due date so if you dont have money at the due date u can pay abit later really good app.Score: 5/5

Hi, I’ve purchased an item with wayfair and expecting a refund.However wayfair asked me to cantact you about refund, how do I do it?.Score: 3/5

PoorI have used Klarna to finance two separate purchases so I downloaded this app to help me manage that. And whilst the app is easy to navigate it its not very helpful at all when I want to see the fine details of my two different arrangements. In addition the statements are poorly presented and it is not very where older statements are stored. There are two payment methods stored in my account but it is not clear which is used for which payment. The whole thing is a bit of a shambles really. Almost as if it’s designed to help me mismanage my money instead keeping it under control..Score: 2/5

CreditGood payment system but low credit limits even thou I pay on time they miss out on business not like Clearpay and Laybuy who I put my core business with ! There loss not mine !.Score: 1/5

HappyI love klarna!I never had no issue with the app simple to use!Thank you klarna.Score: 5/5

Won’t let me order anythingI’ve used Klarna for months, all payments made and account is clear, yet I cannot order any more. I liked the flexibility of monthly payments, and I’m disappointed I can’t use it anymore. They should tell you there’s a limit to your orders!.Score: 1/5

Accessibility issuesCan you make your app accessible for VoiceOver users because some buttons for example are not labelled.Score: 1/5

Amazing siteLove Klarna best thing ever helps me get the little luxury’s in life that we all need 😃.Score: 5/5

Amazing!I love Klarna... no hidden charges, lots of options to pay off, extended dates with no extra fees! Lots of places to use Klarna, Why have I only just discovered this!.Score: 5/5

MrI am loving it!.Score: 5/5

ReviewGreat way of buy without stress and I’m loving it because it gives everyone the opportunity to buy what they want without the need of fully paying for it.Score: 5/5

NoUseless if you’re a foreigner even wealthy with a perfect credit score..Score: 1/5

DaveMust be a better way to browse stores that accept Klarna.Score: 4/5

KlarnaGreat idea, love Klarna.Score: 5/5

Bad experienceMy friends asked me to download it , it sounded like good service then I tried purchasing something it gave me the sorry you can’t proceed with Klarna I contacted customer service the said it’s a luck issue if it worked it worked we can’t fix anything the system chooses what to work and what not so worst first time experience.Score: 1/5

Excellent payment methodI absolutely love Klarna. I can buy goods instantly. Instead of waiting for payments due to me through my business..Score: 5/5

Luving this AppFinally a welcoming App, easy to use and navigate. Easy to pay , colourful , Luv it.Score: 5/5

AmazingReally helpful.Score: 5/5

Cannot verify paymentsTried to order as normal and requested text code like normal but kept saying not verified. Very strange response from app. Looks like I will have to use another payment company option. I sent email to Klarna and still no response. Reluctantly will have to delete the Klarna app as it doesn’t work.Score: 1/5

Perfect way to shopLove Klarna. Perfect way to shop & keep an eye on your spending.Score: 5/5

HappyEasy to use and best way to save money while buying.Score: 5/5

Love!!I refuse to buy anything without Klarna now, fantastic idea and the app is so easy to use!.Score: 5/5

A credit supplier? Or a moral lecturer?Hmm so the latest in Klarna is telling me about my 'high impact' purchases on co2 omissions in kg. I mean, seriously? Woke crap..Score: 1/5

ExcellentOne of my favourite apps to use, easy and effortless.Score: 5/5

PrefectGreat for many things ... but now pay later is good !!.Score: 5/5

Love KlarnaAmazing x.Score: 5/5

App not let me update my cardI have just had a new bank card and I needed to update my card, I rang Klarna to see why my payment hadn’t gone when I had the cash in my bank and this was why, I have tried about 20 times to update my card and it just keeps loading or saying something went wrong and I have spoken to numerous people who all can’t seem to help me. I’m getting very stressed about this as I don’t want to mess my credit up. Hopefully I’ll get it sorted but I not be using Klarna again!.Score: 2/5

Awful customer serviceI downloaded the app as it was recommended to me by a company that I wanted to use. Set up was quick and easy and I was ready to place my order, or so I thought! I immediately encountered problems. The app couldn’t verify my details. I tried a couple of times. I even double checked and put a space in my postcode so it matched my bank record. I got an email from the company to say they had received my order but payment was pending. I told them what happened and they said it was common with Klarna and advised me to get in touch with them. I contacted my bank who confirmed they had received no pending payment from Klarna or the company. I tried to get in contact with Klarna but it seems there is no option to do that unless you have made a purchase. I hadn’t. I checked the help section and nothing. I don’t really know what else to do but as far as this app is concerned, it’s unfit for purpose and pointless trying, it seems like they won’t help you unless you’ve spent money through them and looking through some of these reviews, you might still get stuck when you do!.Score: 1/5

KlarnaVery disappointed rubbish service always paid on time even early don’t letting me buy again poor service. Don’t recommend to anyone! Avoid there’s are better companies to pay your things!!! Very disappointed.Score: 3/5

AmazingSo helpful to be able to buy expensive items and pay over time.Score: 5/5

Please please avoid the companyWhilst I hate how they treat their customers, you have to respect their determination to rip people of and grind them down into paying. I fell victim. Klarna and co. are the next big scandal waiting to happen.Score: 1/5

KlarnaVery poor service limited credit even on people with excellent ratings Ckearpay is much better.Score: 2/5

Nightmare!Every time I try to use Klarna I am denied. There is nothing wrong with my credit score and I only owe £3.94 so why does the algorithm always reject me. Tried to speak to someone but they couldn’t help me as they have no control over the algorithm. I have never experienced the problem before..Score: 1/5

Amazing companyDear Klarna, I have no words to express my gratitude. You have no idea how my life has been made easy by this application. I have bought stuff that I can only dream of buying because of the huge cost. For a family person like my self who earn only hand to mouth you have been a blessing. I can never forget the looks on my kids when I bought them stuff that I couldn’t afford before all I want to say is Thank you who came up with this idea and keep going strong..Score: 5/5

Don’t trust themThey fined me for paying my monthly amount a day early!!.Score: 1/5

TrainersI am very happy with my shopping experience.Score: 5/5

Nothing beats KlarnaWhat an amazing credit system that gives you the time to pay for stuff you need without having the burden of doing it when you don’t have enough funds available..Score: 5/5

Matthew carrickBrilliant app easy to youse pay in a month or 3 instalment or pay early entirely up two you 👌👌.Score: 5/5

Great appLove this app very efficient.Score: 5/5

AmazingAbsolutely amazing app, so simple to use and make payments and even change payment days. Would recommend to anyone!.Score: 5/5

KlarnaUseless.Score: 1/5

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!AdvertorialScore: 5/5

Pretty uselessThis app is not working as in is only a browser and you cannot see that split payment.Score: 1/5

App doesn’t even workThere is no option to even pay with klarna app is so useless!.Score: 1/5

Doesn’t workNot to sure what I downloaded but if this is the app than it needs a lot of fixing. It does not work at all don’t waste time downloading..Score: 1/5

What’s the point of this app?It doesn’t seem to have any function. You can’t purchase anything or set up a payment plan. Kind of pointless..Score: 1/5

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HorribleMy account was hacked and supposedly it was fixed but I am still unable to use the app to make further purchases. I have talked to so many agents through the app but no one knows why the app won’t let me make any purchases. I have been told they don’t have access to it and to try again another day. I’ve been told to lower the amount of the purchase which I did and it still doesn’t work. The app says I have 0 spending limit and to pay down my current purchases but I don’t have any current purchases. Then I called the customer service phone number and the guy I talked to couldn’t bring up my account and told me to create another account which is ridiculous because I have spoken to so many agents through the app. I used to love Klarna being a single mother is hard and Klarna helped me be able to afford what I need for my son. But now with everything that I have been going through with Klarna for months I just give up..Score: 1/5

ElevatedWhat I love about Klarna is how their brands seem a bit more elevated than the competition. Also they communicate with me brilliantly every step of the way from reminding me that I have a payment coming in ample time to notifying me when my purchase ships..Score: 5/5

The absolute best !!!I’m able to treat myself after taking care of everyone else. The life of a mom💞.Score: 5/5

Love itDarn diggity.Score: 5/5

Satisfaction!!!!!Omg!!! I can’t say enough about KLARNA!! You are AMAZING! I have made so many purchases and have been able to make timely payments with NO INTEREST! Thankyou so much for all you do and for having so many merchants to choose from!!! You are AMAZING!!!!!! Marina Guerra.Score: 5/5

Love KlarnaI love my Klarna App and I’m so thankful to be able to buy some things that I normally would put aside due to budget. Thank you Klarna !!!!!.Score: 5/5

Not working anymoreMe and my family recently changed our number and we haven't been able to use Klarna ever since, because it keeps asking texting a code to a number we don’t have so please fix it, other than that this app is amazing.Score: 3/5

EZ !!Great app. So easy to use. I can buy from almost anywhere ( they supply the temp credit card). Works like a charm. Can’t get it on EBay? Get in on Amazon! Can’t get it on Amazon? Get it in Macy’s!.Score: 5/5

No problems at all.So far so good👏🏻.Score: 5/5

Best app everLove it easy to use and very convenient.Score: 5/5

SmhIt’s acting dumb & no # to resolve.Score: 1/5

So far so GOOD!Love the app! I actually love it to much & have been a super great consistent costumer! Only complaint is I wish there were more rewards because I spend a lot & I am always on time! Other then that I would definitely recommend it!.Score: 5/5

Breathing roomIt’s so easy to use. Klarna gives you plenty of updates on your accounts and payments that are coming up so you won’t forget. Best thing ever👌.Score: 5/5

Love the optionsI don’t have the best credit and this app allows me to pay off things that I normally could not get without all the extra charges and getting ripped off by the over pricing of other pay to lease programs very kool thanks.Score: 5/5

App doesn’t work for meI tried logging in many times I even asked customer support’s help to assist me or to take a look at my issue but it didn’t solve my problem. So I have to DL and delete, and repeat, still nothing. So I decided to DELETE and never again..Score: 1/5

Great app!!Klarna is easy to use and was easy to set up! and I have tried other apps where I pay in four payments but not the stores that I want all the time. With Klarna, you can buy in any store. As soon as I downloaded Klarna, I must have been approved where other apps have denied me! I’m really glad I found this app, because now I can faithfully pay off my items from literally ANY store. Thanks so much!.Score: 5/5

The bestJust saying where have you been all my life!.Score: 5/5

SuckssssSuckssssss.Score: 1/5

Worked and then didn'tPay installment went through and was then refunded, tried again and wasn't approved for the same amount..Score: 1/5

Strange changeBeen using the app. Pay on time, sometimes pay off early, then one day I stop getting approved for purchases. And no one to help with how to fix it. Their customer service so far isn’t good. It’s been over a month. Disappointment because I loved using the app vices my cc..Score: 3/5

KlarnaLove it.Score: 5/5

Crappy appDoesn’t show spending limit. Also when you talk to customer service they give generic answers. I asked why I wasn’t approved for a one time card and they asked what bank I was using and then they stated to contact my bank because my bank might not support Klarna. Just like they give a generic response to this review..Score: 1/5

Bad businessI order from a site from Klarna. The items weren’t real or what we thought it would be. The items were returned and I’m still stuck with a bill. Received a letter in the mail today with an outstanding balance that my app says my payments are on pause until it’s resolved. So I guess they want to add it to my credit for items returned. This site is a rip off. Would not recommend to anyone..Score: 1/5

ExceptionalLove it, what else I can ask..Score: 5/5

Great and easy!My purchase was easy ....Score: 5/5

🙄Don’t give you a reason for not being approved and also it asks you how much you want to spend and still no approval that’s trash bro.Score: 2/5

SatisfiedIt’s be a pleasure, I highly recommend. Been telling all of my friends and family..Score: 5/5

Love it!!!Makes a large purchase so much more convenient!.Score: 5/5

So confusedI was making a purchased and it told me that my credit card info was wrong then it told me my Bank information was wrong. But then it charged me three or four times on both cards and on the app it says canceled four times. so I’m not sure if I’m getting wallet! if I’m paying for many wallets five wallets ?? 🤷‍♀️questions questions questions.Score: 2/5

YesI love th app..Score: 5/5

2nd favorite shopping appVery similar to Afterpay but can be used with other stores that Afterpay doesn’t. So far, it’s been very good to me so no complaints for me..Score: 5/5

Refund takes too longI had a package sent back and the total amount was more than it was so Amazon gave me back what I payed them but klarna didn’t. They did ask for more information and I put it in but a month tin and still no update I ended up canceling it. Annoying..Score: 2/5

Won’t let me make purchasesIt keeps giving me an error saying my email is associated to a past due account but i don’t have another account and they won’t resolve the issue on their end or provide me with more information.Score: 1/5

Easy breezyThe one time card option was simple to use. I can continue my workout with the new running shoes..Score: 5/5

PaymentI have a payment coming up and I have not received my product yet. I have an going investigation thru UPS. Waiting for a response. Apparently my merchandise was either damaged or lost..Score: 1/5

Love it❤️❤️Love this app very convenient for purchases.Score: 5/5

Keep Getting Denied for Exceeding an Unknown LimitI just downloaded this app today. I haven't made any purchases, but for some reason, my One Time Card keeps getting denied for "exceeding a spending limit". I'm being told that I need to pay down my purchases with Klarna. I haven't made any purchases and I'm not being told what my spending limit is so I can avoid exceeding it. I spoke with customer service and while the woman was incredibly nice, her explanations didn't help me with my problem. Why am I being told to repay Klarna for purchases that were never made and why can't Klarna advise as to the spending limit per transaction so that I can make sure to stay under it? So far, the problem hasn't been fixed. I'm hopeful that if I try again tomorrow, maybe the system will correct itself..Score: 1/5

VirginiaIt is AMAZING❤️.Score: 5/5

Needs to accept more cardsCouldn’t use capital one card, Amex card, or chime debit card.Score: 4/5

Love love loveLove this app! Keeps me in style while sticking to my budget! So many stores! Would 100% recommend :).Score: 5/5

Klarna needs to go away big scam!!!Terrible customer service in app from Sunilkumar. Literally everything I asked for help with he told me he couldn’t do. App claims I made a purchase I never made and a hold was put on my account and I cannot make any other purchases because of this. Klarna is one big scam stay away from this app they’ll create purchases and charges for you that you did not do once they have your information..Score: 1/5

Fácil y seguroMuy fácil y un método muy seguro para poder realizar compras.Score: 5/5

Must Get!!The best app ever! Very easy and convenient.Score: 5/5

Servicio excelentePuntuales excelente servicio.Score: 5/5

Helpful.Super helpful to keep my prices at a reasonable rate but still enable me to have the things I need and want..Score: 5/5

Great AppIf your a shopper like me….this will be one of your favorite locations to find great options. I use my notifications so I don’t miss out on any great buys. Love the bright colors, easy usage and of course low payment options so you don’t miss out of any thing your heart desires!.Score: 5/5

No está malEs un poco bien pero el problema y muy de notar es que no le muestra un orden de pago como hacen las otras app, un estado de cuenta a pagar y cuál se ha pagado..Score: 3/5

ShopperI absolutely love Klarna. I get to shop shop shop and make payments which is super convenient. They also reward you for shopping. So far I’ve gotten a $10 Amazon gift card and I have the option for another gift card. Shop with Klarna they’re great!.Score: 5/5

Love this AppVery easy to use and a wide variety of merchants to choose from.Score: 5/5

Perfect!!!!Just perfect for me.Score: 5/5

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Absolutely waste of timePlease don’t trust the good reviews i installed the app tried to purchase something for the first time using this service first error was “you have already reached your daily limit” I logged out logged back in next error “we are sorry we cannot lend as a moneylender due to your credit history” what!!! I have a pretty good credit history and I’ve been using other ones like after pay with no problem. I deleted my card details and re entered and it just won’t add my card “sorry we are having difficulty please try again” just useless. Need to delete my account urgently!.Score: 1/5

Difficult to work outGood idea but complex and very badly communicated. Resulting in a frustrating experience requiring much patience and trial & error for the user. Much more should be done by the parties involved to improve user knowledge in how to use this App/Service..Score: 1/5

App does not workI’ve downloaded and deleted the app 4 times today because even though I previously had it on my phone signed in and working when I went to get into the app yesterday it asked me to log in again but before I even got the chance it had a screen pop up telling me to choose my country, but upon trying over and over again to select a country the app wouldn’t respond at all to me touching my country or any other country that was listed either fo again I’ve deleted and reinstalled the app again due to not being able to log in.Score: 1/5

Upcoming payments glitchyI like using Klarna, but the app is slow and glitchy. When I pay four to five upcoming payments in one sitting, the list of upcoming payments doesn’t update. I click on one payment, make it, and that payment plan appears under the payment loan for the next order. It’s SO frustrating..Score: 2/5

Bad experienceThis is useless app charged me $15 late fees recommended not to use this.Score: 1/5

Worst instalment pay appI was with CBA and this was recommended by the bank when it was launched initially. Tried, and failed. Created a ghost card only was told after that ghost card can’t be used to pay bill. So okay never mind, new app so it’s understandable. Then after a year I moved to ANZ and this app kept updating, so I thought let me try it again. Tried to create a $700 ghost card, used ANZ card, failed, then tried 28 degrees, it just simply told me I can’t create ghost, choose another payment method. Plenty of credit on my 28 degrees. I ended up paying with my credit card directly. Not want to feel defeated I contacted the customer service through the app. Couldn’t generate a new chat unless I choose a transaction which I obviously haven’t had a transaction. Anyway I luckily didn’t delete the last chat a year ago under the previous ghost card incident. So managed to get to someone, only was told the same prescriptive answer, oh sorry we try to be responsible lender and each transaction is assessed on its own merit those kind of useless bluff. If you has a lending criteria, be transparent to your customer. Putting up a responsible lender face without substantiation only damages your brand..Score: 1/5

Bad appYou would think they would email you when money comes out of your account? No. I purchased a one off card, they took money out of my account but wouldn’t let me purchase anything. Every time I tried it just said ‘declined’ as if there was no money on there. So dumb..Score: 1/5

Handy 0% payments.It’s handy to spread the cost of a purchase, over 4 payments, without interest payments. I can keep my savings in the bank, get something new, instead of second hand, set up automatic payments, done and dusted..Score: 4/5

Add a limt areaLove this app but wish the creators wound add a area where you can see what your limit is. It says $1000 but each person I know is different and some people can’t even pass $600 overall. If it was added wound be easier for people to know what they can spend instead of trying heaps of orders at different prices.Score: 4/5

Bad cardThis card Not convenient at all.Score: 1/5

IMPACTS CREDIT FILEThis is worse, klarna leaves enquiry on your file, when applying for instore/online payment it doesn’t even show in the terms and conditions about the credit file enquiry.Score: 1/5

Payment problemsHello My name is Abdullah Bin Jawaid, The reason why I’m writing this review because it was my first experience with this application and it was so bad I bought a Nike Track Pants on the 4 instalments plan and my first instalment was charged from my account and I haven’t receive any notification, when I was trying to contact with the no one wasn’t replying me. Then I called Nike customer care service they helped me in that but still my amount is in pending and now no one isn’t responding me. So I suggest everyone don’t use this application it’s better we stick with Afterpay that’s much better..Score: 1/5

CHECKS YOUR CREDIT RATINGThe description says it does not affect your credit rating by doing a “soft credit check” I got declined and now this looks bad on my credit file, this is not the same as Openpay or Afterpay I do not recommend.Score: 1/5

PaymentI got a 200$ one time card and this is my first time using klarna. i’ve spent 181$ but klarna deducted 50$ from my account as my first instalment. i don’t know why r they taking extra money and i cant see my balance n all that..first time very bad experience.Score: 1/5

Great appSo easy to use! Thank you🛍.Score: 5/5

Worst after pay appDo not waste you’re time with this at all it’s a scam.Score: 1/5

Amazing!!! But I’m having trouble with my accountHi there just wondering if I could have some help to recover my account. I continue to get emails from my previous Klarna account to one email and when I log in it says there’s an error and it doesn’t let me. I have made another account somehow by accident with another email but I cannot access my first one so I have no idea when things are due to come out of my account. Nothing is owing on the second account. Please help 😩.Score: 4/5

DislikeI really hate this app.Score: 1/5

AwesomeAwesome app! Easy to use and can use on any website, with there one time use card. 👍🏾👍🏾👍🏾.Score: 5/5

JoshWhen I first got it I liked it but now I don’t I hate it I can no longer shop using it.Score: 1/5

Use AfterPay insteadPurchases through Klarna will affect your credit score..Score: 1/5

Not at all satisfiedIt took so much time for me to sort out this app.Score: 1/5

Very unfriendly App to useIt is a terrible app to use!!! When you signed up on the app, it would send you an email for verification. After you filled in all the information, you wanted to use the app. The app sent you another verification emails. Then you clicked the link and it would take you to the website. But if you want to use the app, it sent you more emails for verification again and again! The app seems like a scam just for collecting all your information! If you don’t want to waste your time, please do not try it..Score: 1/5

App not working properlyWhen I go through a purchase process everything goes fine, at the end I don’t know why it asks for date of birth! You already know all my bank account details!!! You can check my date of birth from there! Anyway, when I put the date of birth it comes with this error “something went wrong” !!!! And you can’t do anything!! So it means for me I can’t buy anything!.Score: 1/5

Bad experienceI have a limit of 1000$ but instantly i am buy stuff and when gonna i pay its saying you dont have permission to one time acces card if you cannot give permission to access then why you give me the credit limit of 1000$ bad experience.Score: 1/5

GoodI love it.Score: 5/5

KlarnaCan’t recommend the team at Klarna highly enough! It’s rare this days for a product to provide their advertised product, which Klarna simply excels at! Thanks again Team!.Score: 5/5

App isn’t workingRe-downloaded the app multiple times. I’m unable to get passed the ”Select your country of residents” section. It doesn’t seem to respond to touch..Score: 1/5

Klarna AppExcellent, user friendly app offering 4 easy interest free repayments over 6 weeks. Many online retailers in Australia offer Klarna as a payment option. Love using Klarna..Score: 5/5

App is useless and hard to readI will be closing my account as the app is completely useless and features that are heavily promoted such as the snooze button aren't even available and have not been for some time. Instead, you have to contact the chat team who obviously work on skeleton hours. There is nothing smooth about shopping with Klarna..Score: 1/5

BestUsed to think this was another Afterpay. Nop. Klarna is far more advanced and hassle free. For example it can be used at any online retail..Score: 5/5

Not credit friendlyThis app looked all kinds of amazing to start with until you realise it’s not credit history friendly. Unfortunately it’s very upsetting due to the currently finance crisis we live in when you have a steady income but you’re declined from a robot. Unfortunate. Back to afterpay we go!.Score: 1/5

Excellent serviceThank you Klarna, your service makes budgeting so much easier. I have a large family and gift giving is so much easier when I know I have Klarna💐.Score: 5/5

ReviewFails to load.. it never works properly... constant issues... such a waste of time having to access the same content over and over before it works.. afterpay works without fail.Score: 1/5

Difficult to useHonestly I have never made App Store reviews but I needed to make one to say save yourself time and headaches and just go with afterpay or zip pay! Klarna is being advertised through my CommBank app so it seemed trustworthy. Credit check is pulled when you sign up however, you have to jump through so many hoops to make 1 purchase. Tried to make my first purchase but kept being denied as over limit despite it being my first purchase (over $35 under $1000). Support has advised I have to make many small purchases first to build credit history, which if they’ve pulled my history through CommBank they can see I’ve never made late payments. They want you to make lots of small payments first but you can’t pay them off early... anyways users beware..Score: 1/5

Rubbish app, rubbish service.You cant see what your credit limit is despite google saying you can. So youre always guessing and hoping you can buy something which 98% of the time, you cant. If I knew what my credit limit was I could plan ahead and buy gifts for christmas with it. You cant. Stay away from klarna, its too much of a headache, stick to something like zippay, which I got recently after the constant troubles with this app, got zippay and zipmoney, thats $2000, and I know that's my limit and I can always see how much I have left and can plan ahead. Learn from zippay, klarna, your app and service is patheticly annoying to use..Score: 1/5

Useless & StupidThis App. and Klarna in whole is a terrible shopping and reward system…. There is no explanation on how to purchase in store and then how to earn reward points… They offer you 1500 Flybuys points for the first time users but that does not exist; cannot even add my Flybuys Card number; does not even ask for it, nor there isn’t any option to add. When I click on the rewards the ‘explore’ bottom never active… useless… Never explains how to shop with it and so how to split payment into 4… Setting up ‘On-Time Card’ is also useless, at first it asked how much I wanted to spend, but then after I did not complete it, it never does it again , only useless saying to go to my favourite shop… terrible! I signed up for FaceID and the third time I wanted to log in it wanted me to verify my email again and sent me to a link… again… Only deserves 0 Star!!!.Score: 1/5

Dislike that it takes money straight away and doesn’t let you modify priceThis was terrible for my first purchase I created a card and then had to change the amount, but they had already taken the money from my account so I couldn’t make a new one and missed out on buying the product (which only had a few in stock)..Score: 1/5

Doesn’t work on ios12Downloaded the app the other day on my phone. It just says when you try to log in or create an account that there’s an error, check back later. Deleted and reinstalled multiple times across numerous days with no success. Downloaded on iPad (Ipaods14) and worked fine. In the App Store, it states that it does work with ios11 and above, but it doesn’t....Score: 1/5

Terrible customer serviceCustomer service was not able to help me with any of my issues. Terrible!.Score: 1/5

Best app everHands down better than Afterpay. So happy with everything.Score: 5/5

Be careful is affecting your credit historyIt’s not worth it’s coming on credit file and if you want to get a credit will affect you ✌️peace and love.Score: 1/5

Klarna and their competitions - watch outI was so happy to win a couple of the Klarna Uncensored prizes back in December and expected being a big company it be a smooth transition to receive the prizes... I was wrong and still have waiting on my prizes!!! First I won the new Dyson V7, to which they tried to send me a refurbished (used) Dyson V6. To their disappointment I noticed this and said that’s not what was advertised... no they gave me a voucher for Kogan who has no stock of Dyson and sells American product with void warranty and troublesome plug issues. Fun! So no Dyson yet. I also won a Weber Q2000 which they ordered from applicances.com, another obscure choice when there is stock available elsewhere. This product wasn’t in stock mid December due to Xmas and would be delivered to be my 15th Jan. I didn’t have tracking details not being the buyer so on the 15th I called applicance.com to check on the delivery schedule and was told the product is at -2 so we still won’t have the product for a while. KLARNA get the tracking and the updates, they could have told me this but they didn’t. I’m having to wait months for my prizes, chase them up weekly, search for stock, catch them out sending the wrong thing, contact them to be told it’s not their problem or buy something else- ultimately wasting my time and resources for a prize that should be simple!? What’s worse is their competition terms clearly states if the product advertised is unavailable, they offer a product of equal or higher value. (See below) “The Prize is subject to availability at the time of purchase. The Promoter reserves the right to substitute any portion of the Prize for an alternative of equal or greater value in accordance with licensing and state regulations.” Winning something should be a joyous occasion and this is far from fun. If they can’t follow through correctly on a competition, I would trust them with my money or a financial app. Definitely going to the ACC or equivalent for this matter..Score: 2/5

Awesome but...Where’s the snooze option as I have a payment I need to pause due to my credit card being hacked and so I have to wait for my new card to continue the payment.Score: 4/5

No productThis company did not let my purchase go through but manage to take out 3 times $33.75 from my account I’ve tried to contact them but apparently nobody is available at the moment the money has not been credited back into my account as I asked but I didn’t end up with any purchases. Beware.Score: 1/5

Bad ExperianceI think I’ll stay with the other pay later apps on the market. Approved one day then, after not using it I am declined when looking for a re-issue. Confusing. Why approve then not when I didn’t use it? Seems a little strange and a little embarrassing when you’re at the checkout. Probably a glitch certainly much more confusing than the likes of Zip, A/Pay, Humm which all seem quite straight forward and reliable..Score: 1/5

Be warnedI love the option of Afterpay and ZipPay but Klarna is different. EVERY time you go to use it, it checks your credit rating, even with small purchases, which makes your credit rating score go down 👎🏼 Will be deleting my account. It’s not user friendly either..Score: 1/5

“Smooth shopping” ? Absolutely not!I signed up to Klarna with the CommBank app thinking it looked like a great idea. They approved me for a $500 one-time card to add to Apple Pay which I thought was great. First I used the card to make a $13.07 purchase, then I used it to make a purchase online which turned into a dog’s breakfast. When checking out the retailer gave me an order number and said my purchase is approved. A few mins later the retailer emailed me saying my order has been cancelled and refunded “as it did not meet our customer privacy and security standards”. What on earth does that mean?! I’m an experienced online shopper and have never received an email like that. Now Klarna reckons I owe them $3.26 (not sure how this is calculated from a $13.07 purchase) but there’s no section in the app that allows me to pay it down. Now Klarna won’t allow me to spend anything, not even $100, after approving me for $500 and all in the meantime I have an excellent credit rating. My debit card has already been charged $125 (the first ¼ instalment for the $500 card) and now that $500 card declines everywhere I try to use it. This whole process makes absolutely no sense. I’m writing this review on a weekend but during the week I’m hoping to remove any enquires that Klarna has made against my credit file, settle my balance, and close my account. UPDATE: I’ve changed my review from 1 to 2 stars because I appreciate the developer’s swift response..Score: 2/5

Bad serviceSo I ordered my Nike air forces about a month ago and it said the estimated delivery date would be the 8th of June. Then I got my first email saying they were getting made and it said the estimated delivery date would be the 7th to the 8th of June. Well it’s now two days later and I still haven’t gotten them I haven’t gotten anymore emails saying anything about them. So I’m very annoyed and felt like I have gotten scammed and I spent $180 on the shoes and $10.95 on delivery, like are you joking? You just going to get my money and scam me? I very mad with the app at the moment about how they have treated me and my package so I don’t think I will be ordering off the app anymore!.Score: 2/5

Why are some so negative?I’ve been using Klarna this whole year, and it’s been a smooth as experience, which is exactly what they’re bragging about ;) I haven’t had any negative experiences and their support is outstanding and understanding. It seems a lot of negative reviews are from people who were hit with a late fee from not paying on time. If you don’t pay on time you have a 3 day window to pay before a fee is placed. If you can’t pay on time, you can snooze it for another week (however this seems now unavailable for a while). Great work, Klarna!.Score: 5/5

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