By AppHub Editorial Team · Updated August 3, 2026
Klarna: Smarter everyday money
Overview
Finance
Klarna Bank AB (publ)
Free
Nov 1, 2018
26.8.294
9
No
Feb 27, 2026
Features
FLEXIBLE WAYS TO PAY Shop anywhere in the Klarna app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹
SHOP WITH THE KLARNA CARD² Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.
UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores in the app.
USE KLARNA WITH GOOGLE PAY Split ...
FLEXIBLE WAYS TO PAYShop anywhere in the Klarna app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹SHOP WITH THE KLARNA CARD²Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership. UP TO 10% CASHBACKShop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores in the app. USE KLARNA WITH GOOGLE PAYSplit the cost with Klarna on Google Pay, available online and in-app⁴MOBILE PLANGet reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶FIND THE BEST PRICE, EVERY TIMESearch for any product and instantly compare prices across stores. HASSLE-FREE RETURNSNeed to send something back? Report a return and we’ll pause your payments. TRACK ALL YOUR DELIVERIESGet real-time updates, arrival times, and pickup photos—right in the Klarna app.24/7 CUSTOMER SERVICEUse 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 #1353190.²Deposits 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. Physical card only included with a paid Klarna Membership Plan. Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn. klarna. com/1.0/shared/content/legal/terms/en-US/cashback⁴Google Pay is a trademark of Google LLC.⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.⁶Cancel up to 24 hours before renewal in the Klarna app.
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Ratings breakdown
1,600,000 reviewsDeveloper contact
Name
Klarna Bank AB
Address
Sveavägen 46 111 34 Stockholm Sweden
Website
https://www.klarna.comPhone
+353 1 264 7931
Support
app@klarna.com
Privacy
View policyFrequently Asked Questions
Is Klarna free to use? high
Yes, the Klarna app itself is free to download and use. There are no subscription fees required to use its basic payment features like Pay in 4 or Pay in 30 days. However, membership plans are available for benefits like the physical Klarna card and fee waivers.
Source: app_metadata, app_description
How does Klarna work for paying in installments? high
Klarna offers several payment options: Pay in 4 interest-free installments, pay in full immediately, pay in 30 days, or finance over time. The app lets you shop at thousands of stores, including directly through the app or with the Klarna card anywhere Visa is accepted.
Source: app_description
What happens if I'm denied by Klarna after being approved? low
Based on recent user reports, some users have experienced approval during the checkout process followed by a last-second denial, even after setting up payment methods. This is not standard behavior, but appears to happen in some cases. For official guidance, contact Klarna customer support directly.
Source: user_reviews
Does using Klarna affect my credit score? high
According to the app description, there is 'no credit impact to apply' for the Klarna card or other payment plans. However, missed payments or debts sent to collections could potentially affect your credit. Always review the specific terms of your payment plan.
Source: app_metadata, app_description
How to Use
Klarna is a finance app that allows you to shop and pay flexibly, including interest-free installments, pay later, and earn cashback. (app_description)
Getting Started
Source: app_description_and_metadata
- Download the Klarna app from the Google Play Store.
- Create an account and provide the required personal information.
- Add a payment method (bank account or card) to your Klarna balance.
- Browse or search for a product in the app, or use Klarna at checkout at a participating store.
- Choose your preferred payment option: Pay in 4, Pay in 30 days, Pay now, or finance over time.
Key Features (from app listing)
Source: app_description
- Pay in 4 interest-free installments
- Pay in 30 days or over time
- Klarna Card for use anywhere Visa is accepted
- Up to 10% cashback on in-app purchases
- Google Pay integration for splitting costs
- Mobile plan on AT&T's network (unlimited 5G for $40/month)
- Price comparison across stores
- Hassle-free returns with payment pausing
- Real-time delivery tracking
- 24/7 customer support via in-app chat
Derived from verified user complaints in recent_reviews about last-second denials and unhelpful automated customer support.
How this content was created
Content type: pattern_analysis_of_user_reviews_and_metadata
AI generated: Yes
- Google Play user reviews (12-20 preferred; may be smaller if source data is limited per app), September 2024 to October 2025
- Google Play ratings distribution
- App Store listing metadata
- Review samples are not statistically representative of all user sentiment
- Only 5 reviews were available in the single 'recent_reviews' bucket
- Claims labeled 'low confidence' are based on single-review observations only
- No real-world app testing was conducted
- Feature availability may vary by region, device, and app version
- The high overall rating (4.8) suggests the sample may not capture typical positive experiences
Pros & Cons
Based on analysis of Google Play user reviews
Pros
- Offers flexible payment options like pay in 4 interest-free installments.
Theme 'Flexible payments' identified in app description
Evidence (1)
“Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.”Rating: 5★ October 24, 2025 - Provides up to 10% cashback at hundreds of stores.
Theme 'Cashback' identified in app description
Evidence (1)
“Earn up to 10% cashback. Get cashback at hundreds of stores in the app.”Rating: 5★ October 24, 2025 - Allows tracking of all deliveries with real-time updates.
Theme 'Delivery tracking' identified in app description
Evidence (1)
“Track all your deliveries, Get real-time updates, arrival times, and pickup photos—right in the Klarna app.”Rating: 5★ October 24, 2025
Cons
- Customer service is unhelpful, often using AI that provides generic responses.
Theme 'Poor customer service' identified in recent_review #1, #2, #4
Evidence (2)
“Customer service is some kind of no help AI that told me I should make sure I have enough money in my accounts.”Rating: 1★ September 05, 2025 219 likes“contacting them will do no good it's a "pre authorization" when it's unexpected...”Rating: 1★ December 14, 2024 427 likes - Frequently denies purchases or changes terms after initial approval, causing false hope.
Theme 'Unreliable approvals' identified in recent_review #3, #5
Evidence (1)
“I was IMMEDIATELY declined for 3 of them. But the 4th one approved. Added my bank, got the money... then last second, declined.”Rating: 1★ July 16, 2025 294 likes - Duplicate payments or billing errors occur, with funds held for weeks.
Theme 'Billing errors' identified in recent_review #2
Evidence (1)
“klarna will randomly do duplicate payments already made out again, 6 days later as a "billing error"... They've been holding it for a week.”Rating: 1★ December 14, 2024 427 likes
Recent Reviews
April Butler
1★I used to love this app. Told all my friends about it. Made my payments on-time, if not paid off early. Had one issue one time and you are pretty much labeled as no longer worthy (and trust me they always got their money-that wasnt the issue). Started having issue after issue after that. Paid off what I owed and finally gave up using it. Just got a notice (10/15) of some bs reason I was denied something back in JULY. And customer service is zero help. Now they run credit. uninstalling.
J T
1★WARNING klarna will randomly do duplicate payments already made out again, 6 days later as a "billing error" contacting them will do no good it's a "pre authorization" when it's unexpected and 2 weeks before Christmas this is a massive issue. They've been holding it for a week. They also largely go off your credit score, despite what they say it says "you are denied due to your credit score" for a 500 dollar fridge for example when my spending limit is 1k. On time payments don't benefit you.
Gena Owens
1★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.
Adriana CJ
1★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.
Jeremy D. Harness
2★It worked just fine at first, as expected. But then I had my info leaked in a data breach and locked one of my credit files. I forgot and when I attempted to make a purchase I was denied. I figured it what was wrong and unlocked my file but still was denied. For half the amount of my previous purchase which I paid off early!! Now they want half up front and then split the remaining half into 3 payments. I'm probably going to use other BNPL apps after this experience.