Klarna | Pay your way

Klarna Bank AB (publ)

About this app

FLEXIBLE WAYS TO PAY
Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹

SHOP ANYWHERE IN THE KLARNA APP
Access Klarna's flexible payment options anywhere - shop at your favorite stores and split your purchase with the payment plan that suits you.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.² Get cashback at hundreds of stores in the app.

SHOP WITH THE KLARNA CARD³
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply.

UNLOCK YOUR KLARNA BALANCE
Add money in the Klarna app and pay flexibly, everywhere. Plus, get instant refunds and receive cashback directly to your balance.⁴

USE KLARNA WITH GOOGLE PAY
Split the cost with Klarna on Google Pay, available online and in-app⁵

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

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.

TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos—right in the Klarna app.

24/7 CUSTOMER SERVICE
Use our chat in the Klarna app for 24/7 support.

¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
³Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Account disclosures.
Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁴Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.
⁵Google Pay is a trademark of Google LLC.

Ratings and reviews

Not a good creditor imo bc they make you put down insane down payments at like 30%. so what is the point of borrowing money? Also, app is EXTREMELY hard to use. I just want to pay back my total in full, but they want that interest HARD bc it's virtually impossible to pay stuff off in full on the app. be careful: they advertise at the mall and hook you. You're better off with a real credit card bc at least you can fight a real bank if you hit hard times. Don't give into the temptation.

Don't Order From Amazon With Their Card they declined the rest of an order like the amount didn't exactly match the remainder of the payment plan and Amazon pulled 90 from my bank account. Customer service is some kind of no help AI that told me I should make sure I have enough money in my accounts. Ridiculous. First and last time that I will use for Amazon payments. My day/week was already bad and Klarna just piled on top when it was used to give me a break.

We were desperately trying to get new tires. I went through every step. Put in the amount and it gave me 4 options. I was IMMEDIATELY declined for 3 of them. But the 4th one approved. Added my bank, got the money, set the appointment for the tires, agreed to the terms & then last second, declined. I get an email explaining & that's fine but why let it go that far? They all declined on the spot why let one go all the way to the end before declining it? So thanks for the false hope. It was great.

What’s new

The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.