1. 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.
2. 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.
3. In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping.
4. Join Klarna's free rewards club, Vibe, and get rewarded for all your shopping.
5. Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app.
6. When you shop with Klarna, you get a complete overview of all your purchases and finances.
7. Sign up in the Klarna app and unlock a $5 welcome reward after just 1 complete payment.
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 Google 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 Collections 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 Collections 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. // CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license. //
Love love love ittt!!!
I LOVE Klarna ♥️ so far I’ve made 4 large purchases with the ability to pay in 4 interest free installments! What’s great is that I can debit it from my credit card so I never worry about what day it gets taken out of my account from my paycheck, and then just repay it back when I can, before my credit card company charges me interest. Double win! I’ve purchased anywhere from a tv stand, dining table and clothing to concert tickets and registration for my child’s football season! You can literally use your ghost card on any website! The only option that would top it off is if we have the ability to make an early payment on the next installment. There is an option to pay it off early but sometimes, I have the ability to make an additional installment payment but not want to pay off early. Other than that, Klarna has given me the ability to make purchases that I’d either not be able to afford or have to pay interest on with a credit card purchase!
Paid off account earlier than needed to end the frustration
I paid off my no interest account 9 months early just so I could avoid having to deal with the idiosyncrasies of this service. By trying to be so “simple” and “modern” I find at least for me they miss some expected capabilities. The “notification of payment due” worked once and never again. Their support told me either my phone or app notifications we’re turned off (they were not) or that loading a new release of software could turn them off. Really? Either way I missed a payment; they were nice enough to remove the late fee. Which leads to another deficiency. No way to pre-schedule payments other than “the minimum payment on the due date”. If you want to schedule a larger payment and possibly a few days earlier, you can’t. And I had to reset the “fingerprint login” multiple times for whatever reason. It would also be nice if there was an auto connect to Quicken but that’s not always common with these type of services. And just (intuitively) finding things in the app is not that easy; and I’ve (easily) navigated many apps / websites for similar services. This one ranks as one of the less intuitive.
Worked One Time
It worked the first time I used it(Aug 2019). Got the ghost card, made a purchase, and made my payments on time. I tried it a second time(Oct2019). Got the ghost card, clicked the purchase button and was told afterwards that klarna didn’t approve purchases with the retailer (a gaming company). Ok, that’s fine. Check my bank account and I was still charged the initial payment. I spoke to a rep and they told me the money would return within 7 business days and it did. Great. I figured I’d try one more time (Dec2019). Got the ghost card, hit purchase, got an error message saying try again later. Checked my bank account and once again got charged the initial payment with no purchase. Guess I’m waiting on my refund at this point. My main suggestion would be to update your in app browser to block any major sites that you don’t allow purchases from, that way we don’t waste time shopping for nothing. That or have the app check the site first before generating the ghost card and decline if it’s a retailer we can’t purchase from. I feel like this would save some headaches from initial payments being taken but no purchases made. I liked it the first time I used it but since it has a low success rate for me I don’t think I’ll be using it again.