Category: Shopping
Developer: Klarna Bank AB (publ)
Verified App 
Klarna is a Swedish mobile app that allows users to shop online and pay for their purchases later. The app is available in 14 countries and has been downloaded over 10 million times. Klarna is one of the most popular shopping apps available, but how does it stack up? In this mobile app review, we'll take a look at the features, Pros & Cons, and overall user experience of Klarna.
Features & Highlights
Klarna's "Shop now. Pay later." service has revolutionized the way I approach online shopping. Here are some of its standout features that make it a must-have for anyone looking to manage their purchases more intelligently.
Real Experience Using Klarna | Shop now. Pay later.
Application Scenarios
My daily life is filled with spontaneous shopping moments, and Klarna has become my go-to solution for managing those purchases. Just last week, I found myself in need of a new laptop for work. Instead of paying the full price upfront, I opened the Klarna app, browsed through a few retailers, and found the perfect model. With Klarna’s payment options, I was able to pay for the laptop in four easy installments, which helped me avoid a significant dent in my monthly budget all at once. Additionally, I often use Klarna when buying gifts for friends and family during the holiday season. It allows me to spread the cost over time, making it easier to manage my finances while still being generous.
User Experience
The user interface of the Klarna app is sleek and modern, making it a pleasure to use. Upon opening the app, I am greeted with a clean dashboard that displays my current purchases and payment schedules. The navigation is straightforward; I can easily browse retailers, check for discounts, and keep track of my payment history without any hassle. The app's performance is commendable as it loads quickly and rarely crashes, providing a smooth user experience. Overall, using Klarna has left me feeling empowered as a shopper, knowing that I have the flexibility to manage my finances while indulging in retail therapy.
Pricing
Klarna is free to use, which is one of its most attractive features. There are no hidden fees or costs associated with the app unless you miss a payment, in which case late fees may apply. This transparency in pricing makes Klarna appealing to shoppers who want to avoid unexpected charges while enjoying the benefits of deferred payments. I appreciate how Klarna clearly lays out the terms of each payment plan, so I always know what to expect.
Updates & Support
Klarna frequently updates its app to enhance user experience and introduce new features. I’ve noticed improvements in transaction speed and the addition of more retailers within the app. Whenever I’ve had questions or needed assistance, Klarna's customer support has been responsive and helpful, whether through their in-app chat feature or via email. Their commitment to customer satisfaction is evident, making me feel valued as a user.
Security & Privacy Review
As an American user, security and privacy are paramount when using financial apps like Klarna. The app is available on both the App Store and Google Play, ensuring that users download it from trusted sources. During the registration process, Klarna requires personal information, including my name, email, and payment details, but I felt confident sharing this data because of the app's robust security measures.
Klarna employs encryption and secure servers to protect user information, which is reassuring. However, I remained cautious about ads or tracking behavior. Klarna does collect data to personalize the shopping experience and provide targeted promotions, but they have a clear privacy policy that outlines how my information is used. Overall, I feel comfortable using Klarna, confident that my data is secure while I enjoy the convenience of "Shop now. Pay later."
Flexible payment options to suit your budget Shop now, pay later for convenience Easy returns enhance your shopping experience Secure transactions protect your personal information Access exclusive deals and offers for savings 
High interest rates on unpaid balances Limited merchant acceptance in some regions Potential for overspending due to easy access Credit score impact from missed payments 
I'm actually surprised by all the bad reviews. I'm on the app daily checking in on open accounts or making early payments. I've used it for at least 3 years now and haven't had really any issues with loading, logging in, or efficiency. I just think it needs a much needed update that allow users to schedule payments ahead and pay custom amounts. All other similar apps has those functions already.
Klarna was once a very helpful tool to help you get what you needed and more. I've jumped through hoops for three days and have two payment options, one a linked bank account and my first purchase Klarna amended the pay in 4 purchase agreement to pay over 75% and spread $6.00 dollars over 6 weeks... Of absolutely no use to me at this very moment. I don't even know why I bothered.
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.
This is based on the app and not Klarna as a whole. The app is extremely slow and constantly says something went wrong and won't load what is trying to be viewed. This is happening on Android, in my case, specifically on Samsung phones like S25 ultra and Z Fold 6. I'm not sure what needs to be done but an update with a fix to these issues is needed sooner than later.
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.
Review Source: Google Play store public user reviews.
Yes, Klarna | Pay your way collects personal data as part of its service to process transactions, manage accounts, and enhance user experience, while adhering to privacy regulations.
Klarna | Pay your way does not have a traditional subscription model, as the app is free to download and use, with fees applicable only when opting for certain payment plans.
Yes, Klarna | Pay your way requires an internet connection to access features, shop online, and manage transactions in real-time.
You can contact Klarna support through the app’s help section or visit their official website for additional support channels, including email and live chat options.
Since Klarna | Pay your way does not operate on a subscription basis, there is no subscription to manage or cancel, but users can modify their payment plans through the app.
Customer numbers cannot be changed; if you have concerns, please contact customer service for further assistance.
To update your customer number, please contact customer service directly through the app or website.
You can reach customer service through the Klarna app or website by using the chat feature or calling the support line.
If you've forgotten your customer number, try logging in with your email or phone number linked to your account.
You can contact customer service via the Klarna app or website for assistance with account activation problems.
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.
Google Play 
App Store 
