Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

About this app

SHOP NOW. PAY LATER.
Discover stores where you can split the cost of your purchase into 4 interest-free payments—paid every 2 weeks. We partner with retailers all over the world so you can experience smoooth shopping directly from their sites. And if anything goes wrong with your Klarna order—whether it’s physical goods or services—we’ve got your back.

- “Definitely the best app I have come across combining finance and shopping..” - Jade

HOW DOES KLARNA WORK?
• Download the Klarna app and sign up or log in.
• Buy now, pay later online and in-store.
• Discover personalized inspiration and exclusive deals and discounts.
• Get a complete overview of all your purchases and finances.
• And much more!

- “This is the best buy now pay later system. It has helped me save money too, thank you Klarna” - D.

NEW DEALS EVERY DAY.
Shop and save money with exclusive deals and discounts from all over the world. Find and claim deals you like with a simple tap. Make sure to check back in tomorrow – we add new deals and discounts all the time.

UNLOCK REWARDS.
Join Klarna rewards club for free to get rewarded for all your shopping. Earn 1 point for every $1 spent. Plus, take advantage of member perks like deals and exclusives, and get a $5 welcome reward as soon as you complete your first purchase as a member.

DISCOVER THE KLARNA CARD.
With Klarna’s physical card, you get up to 30 days to pay when you shop online, in-store, at home or abroad. The Klarna card is a flexible alternative to credit cards that gives you the freedom to make most of your budget. No interest, no sneaky fees. Link it to Google Pay to pay easily by tapping your mobile phone or smartwatch.

- ”This is the best source available to pay over time w/o using a credit card.” - Patrice

- “Better than using my actual credit card” - Marlow

INSTANT ORDER 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. Whether you decided to pay later or immediately.

DELIVERY TRACKING.
Get instant delivery information and track parcels from store to door.

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

PERSONALIZED INSPIRATION.
Get 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.

GET PRICE DROP ALERTS.
Save items in collections and save money through price drop alerts. Each time you save an item in a collection, 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.

MANAGE YOUR PAYMENTS.
With Klarna, you choose exactly how much you want to pay and when. There's a flexible payment method that works with your budget, wherever you shop. Whether you choose to pay now, split your purchase or pay later, you get a complete overview of all your purchases and finances. You can even make early payments or extend your due date.

“Best Buy Now Pay Later App” - Leely

NEVER MISS A PAYMENT.
Stay on top of your finances by activating push notification reminders.

STAY SAFE WHILE SHOPPING.
Shopping is thrilling enough without security risks. Our login is as simple as it is secure – with Face ID, Touch ID or PIN.

* Trusted by 147+ million users *

24/7 CUSTOMER SERVICE.
Get round-the-clock customer service whenever you need it using our chat right in the Klarna app.

Ratings and reviews

So I have used Klarna for years, no problem at all. Now, all of the sudden(mind you I have a PERFECT purchase history and payment history with them) I can't use the pay in 4 option due to my "credit score". Makes absolutely no sense. I didn't exceed purchase power, I haven't been late, the only thing I have ever done is cancel an order because it was 4 hours deep and no one had picked up my order. Also, my credit score has done nothing but improve over the last 6 mo, so if that's it then wow.

I have three other pay-later options that I use. As much as I would love to use it more, there's always an issue after about two or three orders, and that's wild. I am a repeat order person...same stuff..same reputable company ( for example, Tractor Supply). I NEVER miss payments. Klarna is my lowest pay-later credit option. But every time I try to use it more often, there's always an issue at checkout 🙄 Probably time to uninstall and move on. I don't need it. It's just nice to have options.

It stands to reason that someone with stellar credit would not frequently use a service like this. With that tidbit out of the way... 3 years, several thousand dollars worth in transactions, and we're still playing Purchase Power roulette. This time last year, my limit was roughly $1200 dollars. Today it's just over $600; and they're asking %50 upfront. I want to be clear. I have NEVER missed a payment. Not once. Save the copy-paste response. I'm finally deleting this garbage.

What's new

All your shopping in one app. We have tweaked some details and made smoooth improvements on already smart features. Turn on automatic updates and you will never miss the latest and smooothest version.

Problems? No problems. Chat with us in the app and we'll help you!