Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later. [Shopping] App Description & Overview

In the Klarna app, you can choose to pay later in 4 installments, interest-free. This gives you the chance to get what you love now and make your payments more manageable over time.

The more you use pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock, as well as exclusive deals and offers, of course!

Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always be updated as soon as another deal from our retailer network goes live.

Join Klarna's free rewards club and get rewarded for all your shopping. Join in the app and unlock a $10 welcome reward after one complete payment.

The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online store in our one-stop shopping portal and choose to pay later in 4 interest-free installments.

Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.

While onboarding, you will do a quick questionnaire to identify your interests. After this, we will deliver you personalized Wish lists based on your taste.

You no longer have to log in to different websites and search tracking numbers or call to check where your package is. Just check your order status in the app.

Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorited products go on sale.

Love being organized? When you shop with Klarna, you get a complete overview of all your purchases and payments. You can now pay a single installment early for added convenience.

No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.

Shopping is thrilling enough without security risks. Our log in is just as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.

Try smoooth shopping in the Klarna app, it’s a game changer.

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Klarna | Shop now. Pay later. App Tips, Tricks, Cheats and Rules

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Klarna | Shop now. Pay later. Customer Service, Editor Notes:

Fixed some minor issues and improved the experience. Problems? No problems. Chat with us in the app and we'll help you!

Klarna | Shop now. Pay later. Comments & Reviews

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- No longer working!

I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.

- Don’t bother wasting your time!

Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!

- Disappointed

Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.


I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗

- This app used to be my fav

When I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭

- This app is a good idea, when it actually works.

I hate that this app doesn’t support pre-paid cards, cards that are through your work, certain banks, or simply denies your card for unknown reasons. My husband banks with Wells Fargo, Klarna does accept Wells Fargo but wouldn’t accept my husband’s card. We have more than enough money on the card but wanted to try Klarna out to separate the money because we do have a large family and bills and I just like to have extra money for emergencies. Was using Klarna to buy work clothes and instead of paying $130 bucks at once, I wanted to separate it into four payments, obviously. My husband gets direct deposit weekly and has money in his account, as I mentioned, but Klarna wouldn’t accept his card. My sister banks with Chase, which Klarna accepts. My sister used her card once with Klarna and it worked. All her payments were deducted and she never used Klarna again. Then when she tried to use the SAME card a second time in the future, they wouldn’t take her card. I tried using my bank, US Bank, Klarna denied me. Then I used my Chime card and Klarna says they are working to accept Chime’s bank but don’t just yet. I tried using my American Express card, Klarna denied that as well. It’s SUPER annoying but whatever. Paying full price at one time is better than the hassle this app causes. Obviously this app works great for some people but I am not one of them.

- Customer service is useless, because the CEO of Klarna is a computer.

I paid off my Klarna balance 2 weeks ago. I have a 0 dollar balance on the app and customer service confirmed that I do not owe Klarna anything. However, when I have attempted to make a purchase I continue to receive a decline message stating that I need to pay off my overdue balance. There is no overdue balance! When I have called customer service about the automated system declining my purchase, due to an incorrect reason, all they do is read the same scripted answers and essentially parrot how they’re at the mercy of their automated computer system that obviously has a glitch. Computers are great, but they can only do so much. Computers are not capable of critical thinking skills, which is why human beings are supposed to take over when a computer is not functioning correctly. At Klarna, however, their customer service department can’t do anything except suggest that I continue to attempt to make purchases until the computer figures out that it is unequivocally wrong about me having an overdue balance. The CEO of Klarna is a computer and their customer service department is inept and unable to investigate or remedy their faulty computer’s glitch. It is beyond frustrating to call a customer service department, who can’t provide a customer with any definitive answers or any decent customer service!

- Good at First then downhill from there...

I started using the app a few months ago. I’ve been purchasing what I wanted, having my payments deducted from my card with no issues...everything was fine. I thought this app was too good to be true! BECAUSE IT WAS! Suddenly, today, I go to create a ghost card and it says I can’t use a prepaid card. That’s understandable. Except for the fact that this card, the same card I’ve been using since I’ve gotten the app for all of my purchases, isn’t a prepaid card and didn’t magically turn into one overnight. I contacted customer service and they didn’t know what to do so they told me call back Monday. NOPE! Payed off my pending items and deleted the app. Went and made my purchase with QuadPay with absolutely no issues. They charge an extra dollar for all installments, but it’s worth it to not have to deal with the bs! UPDATE: Now that I’m complaining publicly they magically remember there is a policy change on prepaid cards, but no one knew what was going on when I was contacting them privately about my issue. Didn’t receive a warning or anything. Nothing. Just pushed off on another customer service rep so they wouldn’t have to deal with it. Not to mention, all of the criteria for accepted payment methods are in the app and my card meets each and every one of them. Now I feel like I can’t trust them. Will not be going back.

- Amazing!

Klarna allows the ability to make a larger purchase & pay in installments every two weeks over a 6 week period of time, making it easy to pay off the balance quick while getting your merchandise immediately. I absolutely love it. I’m hoping for the option to payoff the balance early, but definitely not complaining. Their customer service is excellent as well; The first time I used Klarna I made a purchase from a company, but quickly cancelled the order. The company cancelled it, said I would be refunded within 3-5 days. I wasn’t confident they had begun my refund process by notifying Klarna, so I called Klarna on the 5th business day and found out the company had not notified Klarna. The rep actually called the company with me on the phone and she processed it. I received the email while I was still on the phone, Klarna was notified as well, and they refunded me by the 3rd business day. That was further confirmation that it was safe to use Klarna so I proceeded to make another purchase. I can’t wait to pay off my current purchases bc I already know what I’ll be getting next lol

- What was once great, is NOT any longer.

I used Klarna successfully for months— big purchases and small, always paying on time or early in most cases. For the last week, I am unable to create a ghost card— regardless of the amount and I’m doing everything right— I have a regular debit card from Wells Fargo, available funds, ensured my billing details match, and cleared my browser cache and cookies, uninstalled/ reinstalled— it’s disappointing and diminished the great experience that I originally had. Customer Service was completely unhelpful, and were unable to help or give a clear answer. What a waste and terrible way to do business. Just read all of the recent reviews— there is clearly an issue that Klarna is unable or unwilling to resolve. AfterPay is a fantastic alternative, just comes with the limitations of available retailers. I’ve also heard about Quadpay. To Klarna- this is where you’ll be able to find your ever growing list of unhappy customers you’ve wronged until you can make it right. Update- I did try to chat with the support team as told and they were again not helpful, telling me that now I’m being decline for applying too often...? I feel like now Klarna is just saying things to fit their narrative and treating their customers like we are dumb. Can I even trust your support team— vinita told me I was “write”— And I’m the one being treated like a dummy.

- Worst Customer Service I have ever seen!

Klarna works great and does exactly what it is supposed to - until you have a problem and have to deal with their customer service. I received a refund for a cancelled event back in September, but was shorted one of my refund payments. I talked to my bank and they told me exactly what the problem was. Klarna won’t even acknowledge my problem - in fact, they don’t even keep a record that there *was* a problem. I have had to fully explain what was going on every single time, including the fact that they saw where the deposit was attempted and then cancelled by Klarna. To date I have spent nearly 20 hours in chat or on hold waiting for “specialists” who can actually look at the full transaction records. When I do finally receive a response, they tell me to contact my bank and come back with what they say with no record or acknowledgment that I had already told them exactly what the problem was several times already. Want to tell the specialist directly? Nope they close the ticket as soon as you get an e-mail or response from a specialist. Specialist doesn’t reply? After seven days they automatically delete your ticket and you go to the back of the line. Do business with them at your own risk, because if there is an issue you can look forward to being ignored and ran in circles.

- Don’t use this app, you will just get your heartbroken

Exceedingly disappointed in this app. I applied for a very small priced item, $100, and created a ghost card. My payments would be $25, and I would make the first payment the day of purchase. I had the first $25 (and second too!) ready to go to make that payment. Ghost card was created, and $25 payment was immediately taken from my bank account. I truly, wholeheartedly thought this meant I’d been approved. I went to purchase the item and I filled in the ghost card details only to be repeatedly told it was declined by issuer. At first I just thought it was a glitch but after doing some research I am finding that it means my application has been declined. I have been reaching out to customer service for hours through the app and have not received help at all. Still, the $25 is taken from my bank account and not refunded. It is absolutely ridiculous that they don’t tell you whether you are approved or denied while you are creating the ghost card. It gets your hopes up only to be heartbroken and embarrassed during check out for the item. I also am frustrated that I had to dig deep to find this information. Klarna is not straight up about how it works, so it’s very confusing. Would not suggest to anyone. I can accept I was denied, but I wish I had been told sooner in the process.

- Good Idea, Bad Execution

The app could use some work, as the ghost card installment plan option is misleading. It allowed me to spend hours looking at merchandise without ever mentioning that I might not qualify to use the services. That is BAD customer service. I won’t ever get that time back. If time is money, then by my calculations, Klarna owes me. Additionally, as a current customer with two large installment loans with Klarna, (with my last payment due in about a week), I was appalled at being denied a ghost card for $160. That is BAD customer service. I have a proven track record of payments with Klarna for over a year but the system identified me as a risk? For $160?! That’s BAD customer service. It is unfortunate too because I used to love Klarna and highly recommended it to people I know. I was looking forward to continuing that relationship with this app but due to the treatment I’ve received, I won’t be a returning customer. Furthermore, Klarna’s response to this is abysmal. Writing it off as an “uncontrollable automated system check” and encouraging people to “just keep trying”, are cop-out statements. It’s a simple fix, Klarna. Just have the app prompt users ahead of actually shopping. Ask them how much they are looking to spend once they enter a website and run your checks based on that. You could save customers hours of time and disappointment.

- Was great while it worked

Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved.

- 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.

- 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.

- Never seems to approve any requests

Been using Klarna for months with no problems. I have an extensive payback history with the app and have never had a problem making a purchase until recently. For the past two or so months, Klarna has been denying my ghost cards. Apparently, they started checking credit scores and basing their decisions on that number instead of a customer’s positive history with the app. Don’t bother contacting CS, as there’s nothing they can do about it. They will also reply to reviews with the same old responses they give everyone. I’ve relied on this app to help me when times got tough and have always paid off the amount due ahead of time. My credit is poor due to medical bills and I appreciated that Klarna initially didn’t check credit scores when making their decisions. Now it’s a crap show and I’ll be deleting this app after paying off the remainder of my balance and never using it again. This app is only for ppl with very good credit who, frankly, don’t need to use a pay later system for their items. Be careful - this will destroy your credit as every request for a ghost card is a new inquiry on your credit report. Just stay away from it. Use Afterpay - they don’t check credits and they have great customer service. Adios Klarna. You were fun while you lasted.

- Terrible App! Very poor or almost no customer service

I have been buying stuff from TLF using Klarna. I agree that TLF has their own custom setup with Klarna that they only offer an agreement to pay it all in full after 30 days from the purchase date. I made all those payments in full before the due date. Today I try to create a Ghost Card for making purchase from one of the high end brands. Even if they were using my credit score for approval decision which I was told that they don’t, still I should be approved! Unfortunately, I was not approved. Later, I went to the payment methods via profile to make sure that my debit card and bank account information were on file and connected accurately. It showed everything connected perfectly. Just to give it one more try, I deleted all payment information and added it back. Now it won’t show any card or bank information in my profile. However, keeps picking my debit card when trying to create the ghost card. Very poor GUI and terrible screen flows. Definitely going to try the AfterPay and QuadPay.

- It worked at first

I made a purchase of $60 back in November. Paid my order off and attempted to make a new purchase a few days later. I was approved for $250 and made a ghost card for around $175. I was planing on buying gifts for my sons birthday in January. I realized I had forgot to add one item to my cart, making my total purchase around $220 after taxes. I deleted that ghost card and attempted to make a new one. Didn’t work I contacted support and was told to wait a few days due to my last purchase just being paid off. I explained to the rep that I had just made a new ghost card but needed to add a small amount to it. Still told to wait so I did. I got my money back a few days later and attempted the purchase and was declined. I contacted support and was told there was nothing that could be done. Try deleting the app reinstall it and again nothing worked! I recommended this app to friends and family. Very few use it. My boyfriend currently uses the app with no issues. But for some reason it will no longer work for me. I have more than enough money to cover the purchase I attempted to make but liked the idea of making smaller payments in a short amount of time. I’m very unhappy this no longer works for me. So I went to Afterpay which I’ve used for well over a year with no issues at all.

- Most retailers don’t accept this app! Beware!

So I was trying to purchase online groceries (I didn’t have enough money at the time) and I thought that this app would help. Now they ask that you connect your bank account information to collect install payments. OK no problem I submitted the information and quickly went online to start shopping for groceries. So the first website I went to was for Publix now the way how Klarna works is that they give you a virtual gift card (ghost card)to use as full payment for whatever you want to purchase and then you pay them back in biweekly installments. I filled up my cart with about 20 items and Publix went to check out with the gift card that Klarna gave me and it was declined! So I notified Klarna and let them know that it was declined so they let me know that I would have to get a new gift card because once the first one is declined it won’t work again, to make an extremely long story short I ended up making about 6 to 7 cards each time I attempted to process a payment with these cards they charged my bank account about $20 each time wiping out my bank account and all these different retailers are not excepting Klarna as a payment option, now I have to wait 7 to 10 business days to get my money back and never even received anything!

- Enough!

I have used this app to make several purchases and everything went great. I thought wow, what a great idea for an app! Well, about two weeks ago everything changed. I attempted to make a purchase but was denied. The reason given was that I had past due payments on my account. Well, that, put politely, is nonsense! I have never been late on any of my payments on purchases made through KLARNA. As a matter of fact after I was denied I clicked on the make a payment button just to be sure and received the message that no payment was due or necessary! After contacting customer support twice, explaining the message I was getting about nonexistent past due payments, actually being told my account was current, and getting the same nonsense about how the system makes the decisions and nothing can be done manually to change it, I have had enough! Do you actually mean to tell me that you can’t correct an erroneous past due payments message so I am able to make a purchase? Too bad, since your apparent ineptitude and couldn’t care less attitude has lost me as a user of your app. I am now even uneasy about you having my payment information on file in your system and believe me as soon as the remainder of my payments are processed I will be deleting that information and this app!

- Pathetic In All Forms

Seriously, how did this app manage any positive ratings? The app ONLY supports my iPhone, and even that is a very liberal term. The chat is totally broken... I continually have to exit the app to get the ability to make another post. And get this, you only have the option to select whether you want to chat about your account, or a purchase... but the representatives DO NOT have access to see your account, so they give you a total BS try again later, or call customer service during our limited service hours. Next, get to the in app shopping, which again fails miserably... the app works as an overlay that does not properly interact with the designated sites, and a great number of options end up off-screen, or totally missing. Then, how about the handicapped Virtual card; even if you have an approved credit-line account, you can only get the card to support the 4 payment option, which is bi-weekly... Something that is quite futile for those who only get paid one each month. Is this another case where a company hires a competent staff to get the business running, then drops everyone in favor of out-of-country out- sourced reps and techs...? And just imagine trying to go through this mess when you have a hearing disability and the app is NOT a resource to address issues.

- 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!

- It WAS good...

At the beginning I did an installment of $275, and I pay it good and on time. Then after a couple of months I use it again for a little purchase of $67 and I pay it good . That was back on October. Yesterday I tried to do another one and it didn’t let me. The agent support is useless, they can’t do nothing about it. Even if you have a good payment history. If is not credit or payment history what is that they’re looking at? Your age?? It can be... however the eligibility requirements they said(I’m not writing it because is LONG) I was meeting them. This is not the only bad review as I see. It looks like they increased the points or criteria to meet the requirements, if they have a lot of bad debt because they don’t check credit is not the good customers problem. Whoever is reading this review try downloading QUADPAY is exactly the same concept as KLARNA. I tried with them and I was approved for the purchase I wanted to make. Update: So the response if that “sounds like it was denied by our automated system” YES! I was denied like most of the customers here. I did 2 installments and I paid them good and on time. Klarna needs to fix their automated system before loosing more customers. Thanks for the useless response. Seriously people try QUADPAY you will be surprised. Have a good day!

- Customer service rep tried to blame me

I received a message that my card was declined due to lack of funds. After contacting my bank and verifying in my mobile account I did indeed have enough funds I told the customer rep this. She proceeded to tell me it was an error on my end and that I should contact my bank. She said they would try again in a couple days and if it went through I wouldn’t be given a fee. After stating again that it wasn’t my fault or my banks she kept saying that was the only way to avoid a fee. I tried to pay manually on the app and it wouldn’t let me. It was as if they wanted to give me a late fee to get more money out of me. I asked another rep to delete my account after thinking on it and deciding the customer service was horrible. That rep tried to get me to just delete the app. I told him no and I wanted it delete. He told me no. I called the customer service line and talk to a man who hung up on me. And other woman who I asked to file a complaint and have a supervisor contact me. (Still waiting on that call). Overall absolutely horrible and sketchy service reps. I will not be coming back and I will be telling others about my experience and to not use this app. I’m considering filing a complaint with the BBB if I can. Stay away people!!!!!!

- Terrible! Approves your and then cancels order

Klarna approved me for $600 credit at checkout thru Ticketmaster. I purchased concert tickets for $255 and checked out. Received approval, receipt and mobile tickets from Ticketmaster. Transaction showed up in Klarna’s app. Next day the transaction had disappeared in my Klarna App. I used their customer support chat to inquire why. They were no help. Told me to call klarna phone support. I did. They said they could see the order on their end and it was fine. They would have a rep call me. This was a FRIDAY. By Monday...no call but Ticketmaster CANCELLED MY TICKETS. No notice from Klarna. Called customer support upset as yo WHY would they cancel my tickets with no notice after approving them. They couldn’t tell me why. What kind of business is this??!! You approve someone for $600 credit. They use $255 for tickets. Ticketmaster is where Klarna was even suggested at checkout. Receive order confirmation and tickets and then POOF outta nowhere and with no notice or explanation...they cancel your order and voids your tickets. Anyone who has ever purchased concert tickets knows how devastating cancellation of tickets is....so much time wasted and now my tickets are gone. I would NEVER trust Klarna again. Their chat support is useless, and so is the number you call for support.

- Not happy at all

So my son lost a pair of AirPod at his job, and I though could’ve give a pair of new airpod as gift since his birthday is coming up. I saw this app saying I can do 4 installment payment and said this will be amazing opportunity to get my son a pair of new AirPod plus It will be easier for me to make payments. When I sign up, created my payment option, and went on Apple website to make the purchase of the AirPod, I was denied from creating a ghost card. I went to customer service and ask them why I got denied, and I was told that I need to have history payment with this app in order to make big purchase. It made sense at the moment. However, my partner created an account with klrena, and went to Apple site to see if he can purchase the AirPod, he instantly got approved! I went back to the chat support to get a explanation and the customer representative told me it vary the address and account of the user. That didn’t make any type of sense since we we live in the same address and we use the same account!!!!!! I instantly got upset and requested the representative to give a corporate email to see if I can get a better explanation. She told me there no corporate email and that all they have at the moment!!! I was not satisfied with this answer at all!!!

- Mixed Emotions

When I tried Klarna the first time I learned there are ALOT of links to working this properly and it was a turn off. I felt that the company should relay certain information to first time buyers that was not relayed. I had my entire purchase cancelled except for a couple items which were ALL returned and was still charged $1.99 which was never refunded since the item was never received. The next time attempted an order I tested my theory that if I needed to make any changes NOT to allow the order to process AS IS—THEN make changes if necessary. And it WORKED! I am disappointed because Klarna does not operate as easily as Afterpay. Klarna has better shopping options but only allows you to pay off “IN FULL” where as Afterpay lists the payments and their due dates and allows you to pay the upcoming bi-weekly payment “NOW” which works for me because the payments do not land on my payday and I like to pay everything I owe off all at once so I know what’s left in my bank account can divide to savings and pocket money. We all live paycheck to paycheck which is why Klarna is such a wonderful app; however I think it should take a few hints from its competition Afterpay whom I might use nat was going forward.

- Not working

I recently downloaded the app because my moms birthday was coming up and my friend recommended. I set everything up, from the email to the card information. But the second I’m ready to “create a ghost card” the app seems to stop working. It would say “sorry you’re not approved for a ghost card at this time”. So I recheck my information and retyped everything just in case, just to get the same message over and over. I asked my friend and she said it was working fine but now her app is messing up. So I looked at the rest of the reviews to see others are disappointed in the app as well. So I read the Support persons message encouraging new customers to go over $35 but not to much because it’s kinda like building a trust with the people apparently. So I tried that. Instead of close to $200 I went to $98 but got the error message. So I went down to $42 and still got the error message. So there’s something really wrong with this and I’m kinda sad because I was so excited just to be let down. Now I have to check out the other apps similar to this, and so far I’m not excited about their selections. I hope things can be fixed so I can have a chance of using the app and actually get the stuff I spent hours picking out.

- Ridiculous

I was excited to try this service since I am a huge fan of Afterpay. The fact that I could do that with any store by making a ghost card with them sounded amazing! The first time I tried shopping with them they said I had to build order history to be approved for a ghost card. I asked the customer service chat and they told me to make sure my card was up to date, had the right info, not expired, which my card was. They ended up telling me to try again in a couple days and it worked! I used it for two more orders with no issues. I finally pay off other orders and decide to make another. I get the pop up again saying I’m not approved, which is weird since I’ve paid off everything and I’ve used the services before. I go back to the customer service chat only for them to say the same copy and paste reply. When I called them out on it, they gave me attitude. If I wanted an automated reply, I would talk to a bot. I already read all of this info in the FAQ. They literally had no answer to why the ghost card wasn’t working, which is embarrassing on their end. If you work for or have a company, maybe you should learn or find out why it won’t do the one thing it’s designed to do? I’m going back to using afterpay and quadpay.

- Love the idea, but too good to be true.

When i first seen the app i was just as excited as everyone else making wishlists and all, until it was time for me to actually use their services. First of all I am a Chime bank user and Chime is considered a “pre-paid” bank which is not accepted by Klarna so I tried using my Chase debit card that I have and guess what, Chase is also considered “pre-paid” so anyone under this common branch is also SOL. They do not have a list anywhere of the banks that they actually do accept so you will be taking a gamble for your time if considering using this app. There is no way to know if you will be declined of the ghost card or not. They do not have a FAQ page so that we could know all of the obvious questions and the agents know about just as much as the automated chatting machine they have for customer service. I really loved the idea but it is definitely way too good to be true. I feel like maybe with time they will make the app available to more people instead of people with a particular kind of bank. It really doesn’t make sense to me because I know I’m fully capable of making my payments on time with my Chime card just like every other bank and I see no reason for the discrimination. Disappointment at it’s FINEST.

- Smells Scammy Deserves Zero Stars

This app needs to be much MORE clearer about what actually happens when you create your “ghost card”, I was denied for $60 when I created my first ghost card, and then spoke to their in-app customer service and was told the app looks at whether or not your billing address matches the one they have on file for you and also looks at your previous Klarna purchases and the purchase amount, well Klarna I have no previous purchases this would have been my first.... so you can’t use that against me and of course my billing address matches the one you have on file, and my purchase amount, $60? Is that SO HIGH?!? If those are the only things you actually look at to approve a ghost card then I must be missing something.....OR your really pulling a credit check and not disclosing this, and I’m Sure that’s what’s really going on. If I find out that’s what has actually taken place it’s going to be bad for you Klarna because I read the fine print and no where did it or your CS rep Christopher state anything like that. So my advice to people thinking of getting this app would be not to waste your time. Read some of the other reviews too, I wish I had read the reviews first myself. If it sounds too good to be true, IT IS!

- Better apps out there that works all the time not just part!

This app is useless. I had the app for a few months. At first everything was quick and easy. Now where do I begin.....I was successful in ordering the first few times and then things went bad. After ordering a couple times and paying the orders off and some early. Christmas time came I had plan on using the stupid app only to get on and be denied for lack of payment history. Now that’s hilarious seeing that I have a 100% on credit and I definitely never missed or was late with paying them back either. They really don't care about figuring out why. After reading reviews I see they give us all the same dry responses. Lucky for me I have the money to purchase what I wanted in full. Don't depend on this app! There are FAR BETTER APS with less headache! Here are far better ones like Quadpay and Aftedpay. Don't even get caught up in this one because they will definitely let you down.

- This app is a SHAM

If I could give it zero stars then I would. This app is a sham and a complete waste of time. I have great credit and a healthy bank account and was looking to start Christmas shopping early this year to keep from being last minute. On several different occasions I have been denied for a ghost card. As soon as you chat with someone they send you the same automated response of “try again later.” They can’t give you a reason as to why you’re being denied and they claim they can’t look into to it. I have chatted with at least 5 different people and they all keep saying that I have to build up my Klarna history by purchasing small things but even when I do that I get denied. No one has an answer for anything and to be honest I don’t even think you can chat with a real person through their app. They’re just bots giving you the run around. They won’t even send mail or email correspondence to tell you why you’ve been denied. They just tell you “to keep on trying.” If they’ll do this for getting a ghost card I can only imagine the run around they’ll give you if something was to happen with your bank card, payments or shipment went wrong. I’ve never been so upset in my life!

- It WAS a great app NOW not so much!

I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay.

- Don’t waste your time!

I used Klarna for several months with no issues. It was actually really nice. Then after multiple completed purchases the app stopped working. I’ve spent thousands of dollars with Klarna in the 8 months I used it. Now all of a sudden I’m having the same issue as the rest of the reviews. Now I’m not being approved for a one time card and to enter a different payment method. I also reached out to the customer service chat team, Since there is no phone number for an agent of any sort. They really are in the dark with everything! I spoke to two different agents, Two different times and got the same response. They were unsure and said to wait and try again another day. They don’t have a definite answer and state that it is out of their hands. If your looking for something like this that DOES work, Definitely use QUADPAY or AFTERPAY! Now that I’m using them both and I have ZERO issues and you can use them both in stores not just online! If Klarna would of continued to stay working I would definitely let my friends and family know about it. I would never have them waist their time knowing what I know now. Definitely do your research. I hope this helps.

- Can’t use anymore

I never had a chance to update that I was able to use this app after having issues prior. I wanted to take the time out to say this app is great only if and only if you get approved for the ghost card. I understand you need to build credit with this app but please tell me how when you’ve only given me one time do that and I paid the balance off early on top of that, what better way to show my credibility. I literally needed this app to work for me to make Christmas go smoother how ever this holiday season has become stressful because of the constant denial for a ghost card. I feel like there should be a reason given why we aren’t approved if it’s because of the time of the year and people seem a bit more riskier than say that or tell me what your willing to take a chance on in example a certain amount and approve for it or something along those lines. just saying no and then Turing around advertising shop anywhere and pay four easy payments is very dishonest, and to provide false hope to those how really need this option is a bit cruel in my book. Don’t get me wrong this is certainly a great concept but there are a lot of kinks that need to be worked out.

- Negative 10 Stars!

I have made On time payments for two straight years, never missed one! I had automatic payments at up for the 26th of every month. Well since my balance was down to $122 I decided to pay it off this month. I went in to set up the payment for the 26th and they took it out immediately today which caused me to to overdraw my account and refused to postpone or cancel the payment. Mind you, I contacted them less than 5 minutes after I made the payment. Then I tried chatting and was literally hung up on by 7 different agents. The last one told me he’d pass me onto a specialist which can take up to 48hrs! All this after I contacted customer service by phone and was ASSURED that they would cancel the payment and I could just pay it on the due date, he also assured me that I would receive an email confirmation and it would also reflect in my app, well, neither of those things have happened ! I WILL NEVER DO BUSINESS WITH THEM AGAIN! Keep in mind I have spent over $10,000 with their service! Fleur R.

- Ghost cards get declined from merchant often!

After this last purchase I tried to make with Klarna I will no longer be utilizing their services. The ghost cards that were created for two different purchases at two different websites were declined by the merchants. The first time, I thought maybe it had something to do with the merchant website and I let it slide. Now that it’s happened with a merchant I regularly use and have used Klarna with many times, I realize it’s Klarna that’s the problem. They are creating ghost cards that are getting declined. Both times I made sure there was enough on the ghost card to cover the purchases and taxes. I was not made aware that this ghost card was declined on my most recent purchase and my backup credit card was charged instead and for the full purchase amount ($80.) My credit card that I ONLY use for emergencies now. So now I not only have an unwanted credit card bill, my credit score will now go down because of the use of the credit card. So thanks for messing with my credit Klarna. I will never use their services again. They are NOT safe. Their customer service is extremely scripted too and infuriating to deal with.

- Was awesome- until it wasn’t anymore

Where do I begin? I used this about 5/6 times since Nov’19 with no problems, it was awesome to buy items for my twins (2 of everything) without having to charge it. Then for some reason it doesn’t approve me for another transaction, even with my “payed off” record with them was perfect. I was baffled so I contacted customer service they basically told me there was nothing they can do, it’s up to the system to approve us??? Ok...so the more I use it and become an actual repeat customer without any change in my account, and established “credit/history” with them, they decide your no longer a valued customer? Just new ones that they have no idea if they’ll pay??? Weird. What a crappy way to do your app. Then they email me that my credit impacted it, which doesn’t make sense because I have a almost 800 credit score across all three bureau's ( but yet they didn't check it!). This app was fantastic, I bet they lost $ with people who didn’t pay and now those of us who actually didn’t abuse it and appreciated it can’t use it. I’m sad but I’m going to uninstall.

- I don’t know what went wrong

I have been on this app for almost 4 months now and I’ve been able to make purchases and pay them off on time with no issues, but The last two weeks Have been kind of weird with the app sometimes it approves me sometimes not But this last week it has not approved me and I was able to pay off almost all my purchases and still nothing. now that I’m reading other reviews that others are having the same problem seems they need to work on their program because they’re losing a lot of customers now. I’m even more frustrated because I’m trying to finish paying off the last three purchases I owe so I can just uninstall the app and be done with it and It won’t let me do that now either the app keeps saying error. This app was amazing in the beginning and I was recommending it to everyone I know but now I don’t recommend getting this app until they make a better update.

- I had a great experience. Easy, smooth & addictive!!!

I have read a few other negative reviews. Which Is why I wanted to take a few minutes and write about my experience. ( I have also told two other Co-workers about this app and they have also had the SAME POSITIVE experience) This app was smooth and easy to set up. It was easy to check out and has worked with every website I have used it one. ( 5 or more). All my alerts have been consistent. I have canceled a card before and received my refund with in a reasonable time. So I really can’t say any negative. Just don’t forget to include the taxes. If you forget your card will not have enough funds so that will require you to cancel that card and make another one ( this is Only going to hold up your money because now you have paid the first payment one both cards so will have to wait for the refund on the deleted card ) Thanks Klarna for a very useful app ❤️❤️

- 🙄

So originally I absolutely loved Klarna. It’s efficient and really helpful when you’re on a budget but need something now. But after returning an item and the store issuing a refund on August 6, Klarna started to claim they never received my money when I have clear screenshots that they did. Every representative I spoke to told me to wait two days and that they’d create a ticket for my issue for a specialist to take a look and every couple days when my money wasn’t refunded I’d check back in and be told the same thing. Finally, on August 26th someone tells me they’ll forward my issue to a specialist who should get back to me in 1-2 business days and this is already a week after I should’ve received my refund which should have been issued 10 days after the store refunded the money. So now we’re at 17 business days. Someone finally gets back to me today, August 29th, to tell me that they’re very sorry and I should receive my refund in A COUPLE MORE WEEKS, because they’re back logged on refunds. I loved Klarna, but if I’m going to have an issue with getting my money back for whatever reason it’s honestly not worth it.

- NOT too good to be true!!!

I totally was not going into this app optimistically. I was expecting a credit check, or a limited number of websites to shop on, or some small terms and conditions that would frustrate me and push me out. I felt this way up until I made my first purchase with Klarna, then I was sold. I made a $125 purchase, paid $35 today and will pay $35 three more times in two week increments. Klarna creates a “ghost card” for you to pay with per purchase, and you set the amount of the card based on your cart total + shipping (there is a $1,000 max. per card). You have the option to pay your balances off early. You can shop on ANY retail website, even if you don’t see it immediately listed on their app. Covered costs include shipping and taxes. The app is super user friendly, helping to keep payment schedules and order history organized. I will probably be using this for all future online purchase.

- So disappointing !!!!

I have been trying since Friday to use klarna & have not been successful .. you go through all these steps to think that you’re going to be able to create a ghost card to come to the end to find out that you can’t .. the customer service isn’t very helpful at all .. I have tried to reach out on the app to customer service to only tell me how to check out and then when someone replys to my chat in the app, I start to respond back and they leave the chat (that’s def not helping) .. I know the process I have had a few friends that use it and they are also wondering why I couldn’t create a ghost card ..I just want to know why I can’t use this app & clearly I am not getting a answer just a answer on how to check out .. CLEARLY this app is NOT for everyone .. I guess they pick and choose who they want to be ale to use the app or not .. WHY CAN’T customer service tell someone why they aren’t approved .. I haven’t tried multiple cards and I will NOT add my bank account in fear of multiple charges taken out of my account .. I will be sure to check all my CC accounts to make sure I was never charged !! Soo disappointing and aggravating !!!

- The concept is great but..

Like I said the concept is great., but it’s not user friendly AT ALL.. FIRSTLY all the email links are annoying, and the customer service reps aren’t knowledgeable of how Klarna works they always give the same response, I tell them the app is glitching it won’t allow me to make a ghost card ,they say “ wait 24 hour” 24 hours pass nothing the same problem I get the error of can’t create a ghost card they say” it needs to be connected to a bank and have enough to cover the initial payment+ nah really 🤨😑 I have enough it’s connected to a bank, they have no idea what to do I retry randomly it works then doesn’t (gotta have those 🤞🏽)... the concept is great but it’s currently all over the place, also at the time I may not have the money but if I get extra money why is there not an option to make a payment...try to look at each person separate and handle the problem not give these automated responses (if they answer this review as a automated responses im just done🤣)

- Such a let down

Klarna is the best thing ever... UNTIL IT ISN’T! I stumbled upon a Klarna ad and thought it was too good to be true. I made my 1st purchase and had no issues. 10 purchases later, I was as happy as could be. Then one day I try to purchase some shoes. (Which I’ve done before) and this error comes up saying “You are not approved for a ghost card at this time.” Some small facts are I have NEVER missed a payment and ALL my debts were paid off to Klarna. Needless to say, I was an exceptional customer. I reached out to customer service because this had to be an error right? Customer Service was a complete waste of my time. They said, “Oh yes, we see you have a perfect payment history and we thank you but our decision system is automated and we cannot override its decision.” One rep said, “Delete the app, then reinstall.” Another rep said, “Try something cheaper because you probably have a spending limit.” All responses were generic and just a complete waste of my time. I’m DONE with Klarna. Thanks for the good run because you have been utterly USELESS as of late! So much for rewarding customer loyalty right?!

- Complicated

The app will not let me access it’s features at all , haven’t been able to use it once to shop. This is my third time coming back to try again and this app just is not convenient at all to me when I have to go through too much effort for it to initially not let me make my purchase in the result. Your profile is just your name , and a profile photo. No where can you change information on your age, gender, etc. Though each and every other shopping app includes this. It takes my address in as ‘invalid’ also. Could be caused by my location in Louisiana but if so that’s a major inconvenience to me. I use after pay the majority of the time or even quad pay and they work flawlessly and give you that “smooth shopping” feeling , but Klarna seems to have several things it needs to work out before it’s a smooth running shopping app. It has many more options and places to shop from compared to afterpay which is why I have attempted to use this so many different times but each has only proved to no longer have interest or use for it.

- Credit rating improved and I started getting denied???

So, I started using Klarna last year and it was amazing! I recommended the service to all my friends. I paid all my purchases of early and never had an issue. It was great because at the time, my credit was terrible and I couldn’t get a credit card. During that time I was working really hard to build my credit and get rid of bad marks on my report. I finally got my credit score up a tier. Shortly afterwards I tried to use Klarna. I got denied. It was so strange, the only other time I got denied was when I was accidentally using a prepaid card and the card currently on my account was a bank card with a chip. I decided to wait and try again. Denied. I waited another few weeks and my credit went up 5 points. Still denied. I contacted customer service and received 0 feedback. Now reading the reviews I realize it isn’t me, it’s them. I deleted the app. How is it that a credit company makes it MORE DIFFICULT to use as your credit gets better? Also, don’t tell me it’s the amount because I’ve never gotten a ghost card for anything larger than $200 and I always pay it off early.

- Can’t ever get it to work

I loved the idea of this especially after using similar programs that allowed you to pay in installments. So I decided to try it out. Unfortunately it took me about an hour to figure out how to create an account and use, it felt like I was running in circles. Then even after downloading the app, the option to use Klarna still wouldn't pop up. That took me another 30 min. to figure out how to access it and use it as a payment. I was finally able to successfully make a purchase but I have no idea how I did it. Then a few days later I decide to make another purchase using Klarna, same issue, the website I’m trying to use keeps advertising the use of Klarna to pay but never gives you the option. So at that point I tried using the App to shop, thinking it must show up there since it’s directly through them. The SAME thing happens. “26$ if you use Klarna, learn more here.” At this point I don’t want to “learn anymore” I’d really just like to be able to use this App and purchase my items, but I guess I’ll just have to go do it the old fashion way until this app/websites starts functioning correctly.

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- Honest review

Ok so Klarna is a must for me. I’ve seen so many negative comments and I understand why because I had the same issues with the app but Klarna team solved them. Very easy to use and quick respond. I did my 5th purchase through Klarna and no regrets. It took a while for me to review this app because of the negative reviews. Only bothers me that you can’t make an another instalment earlier if you want to pay earlier you have to pay the whole amount but anyway managed to get expensive stuff for my baby true this app. And this worked for me well. Good job Klarna and keep it up.

- Glitchy and frustrating

My first ghost card worked like a charm. Was for nearly $1,000. After it was fully paid, tried to use again for a smaller amount but I had insufficient limit even though there were no outstanding transactions. Waited to see if it would reset itself, nope. Then took over a week for tech issue to be fixed after I raised it. The original chat was frustrating as the person couldn’t understand my issue. I really had to persist. A couple of small transactions recently both went OK and then this morning I’m refused credit. Check my credit report, nope all good there. Small balance owing on one transaction, payments all up to date so no issues there. FAQ tells me Klarna reserves the right to limit my shopping in certain categories for my own good. I was spending less than $200 on a well known gift website, surely that’s not the reason! Klarna are your algorithms really this rubbish or is it another glitchy tech issue? Went searching for help but you made it too difficult. Used my card instead. I’ll probably delete this app after I have finished my final payment owing.

- Trying to find your (hidden) approved credit limit gets you blocked.

There is a hidden approved credit limit (not the $1000 advertised) that you have to try to guess. If you guess wrongly, too many attempts of trial and error in finding the said limit leads into a fully automated temporary block (support cannot do anything or even let you know what your individual limit is). This quickly devolves into a vicious cycle wherein attempts to find how much credit you can apply for by trial and error leads to your account being temporarily blocked from creating Ghost cards, making the app completely unusable. Users should be able to know what their actual approved credit limit is and should have to play this ridiculous guessing game, and support staff should be given more power to remedy issues caused by the app.

- Happy customer!

I’ve only used this app once but I would be comfortable to use it again in the future (and probably will!) The process for me as a customer was easy (which is important) but the nice touch that I appreciated was the friendly emails sent out regarding either an up coming payment or one that has been paid. It was a nice personal touch. The app and payment process was user friendly and I liked that this company gave me an option to purchase something from a business overseas that I wouldn’t ordinarily have paid outright. Happy customer!

- If the app works, it’s good

I haven’t been able to use the app for weeks. It used to work fine but now when I try to create a Ghost Card, it’s saying I have overdue payments. Not only do I NOT have any overpayments (not have I ever), I paid things out early. I contacted Klarna and they just said it’s one of those difficult things that might be hard to fix. And that’s it - can’t use the app

- Credit Check without Consent.

I was prompted to use this app because I bank with commonwealth. I currently use Zip for my interest free purchases and would recommend it highly over this rubbish. To use the service you have to create a “Ghost Card” which is fine however the app pulls your credit file and leaves a credit enquire on the file. Zip does the exact same thing however informs the user (Afterpay doesn’t if you want a service that doesn’t pull your cc file). However Klarna doesn’t even mention anything about a credit check in the app. If I knew, there would have been an additional credit check, I wouldn’t have even bothered making an Account, I would have just stuck with Zip. Extremely misleading and appalling that you include that vital information to a consumer.

- Horrible horrible app

I have an account with Humm , bundle , Afterpay , zip pay . Everything is fine with them no outstanding amounts . I thought I’ll try Klarna as CommBank app recommended it . I signed up and made a purchase of $785 .. I’ve been paying it off since 23 February . Taking the payments on time never missed one or anything . I even payed it off 2 weeks early . Now trying to get things worth $500 and won’t approve me ? What’s the point of being a good customer and sticking to your payments in time only to be told by customer service “sorry we don’t control who get Approved it’s not us “ Worst worth worst experience I’ll bel sticking with the other apps as they have loyalty to there good consumers and reward then when they make payments on time and early .

- nothing special and hopeless

thought I’d give them a chance seeing as I use afterpay, zip pay and humm. It’s the most unorganised app ever. I tried checking out and it wouldn’t let me, but yet it still took the first repayment. I spoke with customer service through the app which weren’t helpful. Kept telling me to try again later.. well it’s been nearly 5 days and still nothing. Then got told the website I’m trying to check out from doesn’t accept ghost cards but yet have that shop advertised on their app (which I found interesting and I’ve seen on these reviews that someone else was successful with that site. Hmm) I also speak through Facebook and again, nothing. This “service” is the worst I’ve come across.

- Nothing Smooth

From the outset of using Klarna nothing was smooth or helpful. On signup it asks for an email or mobile. *Enters mobile number*. Error, message saying you must enter email *sigh*. You can signup using any postal address so it’s clear they are not doing checks for vulnerable people. Every login then asks for an email to be sent to you for you to actually login, painful especially when it’s going to Junk folders. Most of the pages on the app look like duplicates and there isn’t any information on how to actually use anything (wish I could share screenshots). Cluttered and seem like they are trying to do too much instead of focusing on making it a simple and user friendly experience. Uninstalling

- Disappointed

I originally loved this service! However the past few weeks I have had the same issues as many of the reviews. I have purchased and paid of many items on time. I now have no outstanding payments and yet I am still getting the message to “reduce your balance” when I try to make a purchase. I followed this up 3 times with customer service and no one was able to fix the issue just telling me to “try again later” or IT is looking into it. Afterpay’s customer service is much better and more reliable I am so disappointed in this as I’ve wanted to make purchases and the products have sold out!

- Rubbish app, rubbish service.

You cant see what your credit limit is despite google saying you can. So youre always guessing and hoping you can buy something which 98% of the time, you cant. If I knew what my credit limit was I could plan ahead and buy gifts for christmas with it. You cant. Stay away from klarna, its too much of a headache, stick to something like zippay, which I got recently after the constant troubles with this app, got zippay and zipmoney, thats $2000, and I know that's my limit and I can always see how much I have left and can plan ahead. Learn from zippay, klarna, your app and service is patheticly annoying to use.

- Great but one thing needs work

The refund process if a company needs to cancel an order (I.e. no stock) is not trackable and you spend time following up with customer support. Klarna really need to work on that whole process to make it easier for customers to ensure they haven’t paid for something they didn’t receive.

- Payment problems

Hello My name is Abdullah Bin Jawaid, The reason why I’m writing this review because it was my first experience with this application and it was so bad I bought a Nike Track Pants on the 4 instalments plan and my first instalment was charged from my account and I haven’t receive any notification, when I was trying to contact with the no one wasn’t replying me. Then I called Nike customer care service they helped me in that but still my amount is in pending and now no one isn’t responding me. So I suggest everyone don’t use this application it’s better we stick with Afterpay that’s much better.

- System getting crazy

I have account with zip. After pay. Over $3000. I wanted to open an account with klarna looks like this app joking with customers. Couple days ago klarna approved $500 for me I didn’t buy my item from eBay the day klarna approved so after couple days I apply for $500. It’s says sorry you aren’t approved for ghost card. Then I try lower $400 then I had the same message. Again I try for $300 also didn’t approve by ghost card. Swear to god I try $20 also didn’t aprproved by ghost card. What a joke app 😂🤣 klarna go learn from after pay. And zip pay. If you want more customers.

- credit check + leaves enquiry without notifying

I downloaded this app as I wanted to purchase some things for a birthday gift, I saw this app and it sounded great! Not once did I see a credit check advertised nor did it state a mark will be left on your credit file, I find this as really bad service, especially when no eligibility requirements are to be seen. Also customer service is limited understandably to covid-19 but there’s no where to leave a query or a contactable email address. Very disgusting service. If someone could contact me about this it would be appreciated.

- Super easy sign up and quick no fuse purchase

Super easy to use and only took a couple of minutes to sign up.. I just made my first online order with Woolworths without any hiccups. I even went through the checkout using the ghost card payment method and it was simple and fast.. super happy right now..

- When it works it’s great maybe a bit buggy since it’s new

So I try to go into the app today after I made a purchase with it yesterday and it asks me to confirm my details. Problem is, when I type in my details, it doesn’t allow me to press confirm, I tap the confirm and nothing happens. This essentially makes it useless for future purchases until it’s fixed

- Simple and easy

Just used it for the first time, easy to use and good that you can break up purchases into smaller payments and I like that the spend limit is low so you don’t have to spend a large amount just to be able to break up the payment.

- Very unfriendly App to use

It is a terrible app to use!!! When you signed up on the app, it would send you an email for verification. After you filled in all the information, you wanted to use the app. The app sent you another verification emails. Then you clicked the link and it would take you to the website. But if you want to use the app, it sent you more emails for verification again and again! The app seems like a scam just for collecting all your information! If you don’t want to waste your time, please do not try it.

- Fantastic App

I really enjoy using this app. My only complaint is the sign-in process - I wish Klarna would accept a password instead of emailing a link. I would also suggest making an iPad app as I’m sure most people would enjoy shopping on a larger screen. Otherwise, Klarna is a pretty good platform.

- Izzy

First time used, at first I wasn’t sure how it works but after when my ordered was successful completed, i received an email. 2 days later I received my goods. I love it. I’m going to keep using this Klarna app from now on instead of after pay . So quick and it’s convenient. Very happy 😍

- misleading

i installed the app cause it was within my commonwealth bank app so i thought klarna was quite legit. Then after u done register they will tell u get certain amount of credit. When u ready to shop then they started to asked some documents to be verified and in the end they told me i’m not qualified. They should done the verification before and not after u are about to make your first purchase and did a bad record on your credit report. Really disappointed with klarna. I stick with AFTERPAY which is more straightforward.

- Fantastic

Easy to use. Setting up was more personable. They have really taken the time to make sure their customers are being well looked after. Would have to say I’d deleted afterpay after using. These guys are great. Easy sign up and a pretty good concept of the app.

- This app is broken

This app just ruined my day I made a ghost card for 800 got the details sent the first installment of 200 dollars then when I tried to buy my item it said the card in which I already payed the first installment did not go through. Then I had to delete the ghost card which my money when they took it was instantaneous now I have to wait 10 business days to recover. Omg I feel absolutely terrible and wish for anyone trying to use this app to instead download something like zip.

- great fast credit in minutes not days

I am very happy with the app I think it is working fine I just used the limit max and no more than sufficient to be treated as such a breach of trust you saying you have to guess I amount of credit is your limit ..

- Add a limt area

Love this app but wish the creators wound add a area where you can see what your limit is. It says $1000 but each person I know is different and some people can’t even pass $600 overall. If it was added wound be easier for people to know what they can spend instead of trying heaps of orders at different prices

- Top shopping experience

I used Klarna for the first time and will definitely not be the last. The whole shopping experience was top class and super smooth. It’s like the perfect use of technology, keeping practicality in the core.

- Klarna is awesome.

The only issue i’ve had so far with this app is verifying my details, however i had fantastic help from a customer service representative and it’s working fine now. The ghost card feature is the best thing ever!!!

- Easy to use /

Just used this to make a purchase it was very easy to use - I like how it shows you the repayments. Quick simple and can use anywhere which is fantastic.

- Tech idiot

First time using the app can be quite frustrating on eBay...as eBay remembers your credit card details and won’t recognise the ghost card...but after a lot of messages an idiot who has no tech knowledge can use it...good to be able to get the best deals online..✌️👌👍

- Terrible

I have a good credit rating of 700 plus. I only signed up for this as it was on my banks website and recommended by them. I was approved for $500 I went to make a small purchase of $300 which was then rejected ??? Contridictory practice!! I won't be attempting to use it again. I have used afterpay multiple times and have more than 100 afterpay orders that have been finalised without one missed payment, I will stick with them.

- App not working properly

When I go through a purchase process everything goes fine, at the end I don’t know why it asks for date of birth! You already know all my bank account details!!! You can check my date of birth from there! Anyway, when I put the date of birth it comes with this error “something went wrong” !!!! And you can’t do anything!! So it means for me I can’t buy anything!

- Changed my opinion on this

Ok I originally gave this a 4/5 rating. But looking at the issues this app has now, I don’t recommend anyone to use this. The dealbreaker was it was charging for installments twice! And the customer service stated that this is a known error where in the 3rd installment you get charged twice and will be rectified in few days time. And it happened to me for both of my installment plans. This is insane!

- Fantastic Buy now pay later option!

Excellent service for buy now pay later with 4 easy instalments! Highly recommended

- Klarna

Can’t recommend the team at Klarna highly enough! It’s rare this days for a product to provide their advertised product, which Klarna simply excels at! Thanks again Team!

- Disappointing

I have been using klarna for many months but now all of a sudden I’m getting a msg saying to reduce my outstanding balance..I don’t have an outstanding balance! It’s really disappointing when you’re a good paying customer and this keeps occurring. Every time I’ve spoken to support I just get told the issue is being looked at but they can’t tell me when it will be fixed. It’s not good enough

- All users check your credit file after using this app.

I thought I might try it out, but these guys stuck a credit check with out informing me first and I just saw it on my credit file. I want it removed from my credit file, and Where is their credit license on the App Store description? Where does it say they do a credit check? I’m reporting this app to asic for misleading customers.

- Great Product!

Really great to be able to use a pay by instalments, at retailers that don’t offer such a thing. Super easy to use The addition of paying instalments early is really great too!

- Terrible

What a terrible app and service. I have been a long-standing account holder with commonwealth and trying to set up Klarna has been a major headache. The verification process is terrible and with all the correct details it always comes back saying you can’t be verified? And when speaking to customer service on live chat they can’t even help and say keep trying. Wouldn’t bother wasting your time.

- Great idea.....terrible execution

I have used Klarna about 5 or 6 times and always paid off purchases early or on time. I had a purchase for $499 and it was approved and paid for ahead of deadline. But i have been getting error messages saying I have overdue payments and I have exceeded the $1000 ghost card limit when I am 100% up to date and my total purchases (even existing) don’t come to more than $198! It is unreliable, inconsistent, let’s you down most of the time and support is hard to get hold of and not very understanding when you deal with them. Functionality also very clunky. I am paying balance out And deleting it. Other competing apps are far superior

- Handy 0% payments.

It’s handy to spread the cost of a purchase, over 4 payments, without interest payments. I can keep my savings in the bank, get something new, instead of second hand, set up automatic payments, done and dusted.


EDIT: Klarna are a wolf in sheep’s clothing. Their response says to contact them but be contacted them multiple times and their response is always “we’ve done nothing wrong” Original Post: Klarna are horrendous. They listed on my credit file despite the fact that I didn’t even get past the sign up process before they rejected me. I emailed Klarna but they claimed that I signed up for a credit limit for eBay. LIARS!!!!!

- Couldnt verify you

Wanted to get somethings from my favourite site and tried using my identity (medicare/driver’s license) both failed, then it said that my address was wrong. Made sure it was correct then app crashed. This happened on both app and website, emailed the @ support left in the reviews. But didn’t receive a response, so i just downloaded afterpay again and went with them instead

- Smoooooooth !

Incredible end to end experience, absolutely loved it ! Already look forward to using Klarna again. Won’t be using any other provider !!

- Not bad!!!!

Loving the option of a Ghost Card, this service is pretty cool, although the screen is not full sized... could we please give Klarna an iPad version so I can shop with ease? Thanks!

- Dislike that it takes money straight away and doesn’t let you modify price

This was terrible for my first purchase I created a card and then had to change the amount, but they had already taken the money from my account so I couldn’t make a new one and missed out on buying the product (which only had a few in stock).

- Awesome but...

Where’s the snooze option as I have a payment I need to pause due to my credit card being hacked and so I have to wait for my new card to continue the payment

- No customer service available to sort out problems

Had a problem with my transaction - I think it didn’t go through to vendor. Tried to get in touch with Klarna and even though Klarna promises customer service 24/7, no reps were on the phone or online during all Easter long weekend. I tried contacting the vendor directly, but floor staff didn’t even know what Klarna is.

- Good app

I’ve only just started using the app and so far it’s been good. It’s pretty straight forward and easy to search for all the stores you like. Thanks Klarna!

- Great idea, incredibly slow app

CommBank actually recommended this app as a payment “take home lay buy” kind of payment system, similar to afterpay. I signed up and downloaded the app however it is extremely slow. When trying to view cart it completely freezes. After 30 mins I gave up. Not worth the time nor effort waiting.

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- Horrible app

With so much competition out there this app makes zero sense in their decision making. I’ve used their services at least 8 times and paid off either early or on time every loan. The first few times I used the app it was great. They were approving me for $500 plus outstanding balances at a time. All of a sudden, for no explainable reason it was cut down to $80. If you try to ask someone in chat and try to get them to understand reasonable logic, forget it. “They can’t see your account and all credit decisions are based on many factors”. My credit is perfect and I’ve paid my debt to them every time! I just went to get a loan and haven’t had any money owed to them for 6 weeks and it says they can’t give me any money until I pay off my existing debt. I have none!! Of course, there is no one to chat with or anywhere I can go to get help. Crazy! I’ll use a different app like Sezzle or Affirm.

- Was Skeptical at first but this site is for real..

I really went back and forth about trying this site but I gave it a chance and it’s for real when I first did an order I thought I was going to get charged for price bc I didn’t see it in the app but I canceled the order and I seen I was then charged for the first payment but it was always pending in my account then after 4-5 days I got my money back. I also did a second order for my daughter for Christmas some shoes and received them in time for Christmas and I was only charged the first payment and then next one Is scheduled to come out next week.. I will be ordering again from this app. Also I didn’t have an issue getting approved for a ghost card and my credit is not good at all.. I will recommend to my friends.. I did have an issue I called customer service and their said to call company I ordered from and my issue was resolved.

- No approval

I’ve been reading some of these reviews of people having the same trouble, the same auto-generated denial of a purchase, the same frustration and the developers response is always the same.. “we don’t know why”. The reviews I’ve been reading are from June-august 2019, it is now April 2020 and still no updates to their system. And these reviews are right on par with what happens when you talk to customer service as well, There’s a number of factors that determine whatever etc etc. My purchase was for $89; $22 every two weeks, not accepted by klarna, talk to support, he essentially tells me to just keep trying because he can’t tell me at what price that I MIGHT get approved, or what exactly is going wrong on why I’m not being accepted, “you might be approved for a lower amount, or if I try again later” tried it again for a $50 purchase same website, no go. There are at least 3 other sites that offer what you do and its none of the hassle. Why is this still an issue!? And no I don’t need you to go over your approval process with your customer service I already did that. It’s stated above and you were not helpful!

- Used & was awful after I used it

I used this app for about 5 or 6 purchases all paid off and paid off early , I can’t get back on the app to where I can use it to search for store I’ve contacted customer service probably about 10-15 times since November and not 1 person could help me , I had my own credit card # in there as well and couldn’t even use that, when I clicked on the app it would send a link to my email where I’d click on that and it would only show my the transaction page , I couldn’t even get to the paid , I guess “home” page where u look at the store , only thing I could see if what I bought and paid for , customer service was awful , no one even tried to help me at all , keep telling me to send pic of the page I see , I had to send that picture to so many diff ppl I was so annoyed with this app I deleted it , I rather give my money to app that actually helps and has good customer service because after all it is still my money they are using , I don’t care if they call it a ghost card , I’m thankful for afterpay , quad pay & etc , because this site is a scam and they aren’t helpful at all !!

- This grants me he access to buy things I never could on a budget

I never just randomly have $100 + dollars saved up for things (don’t judge me, it’s something I’m working on). This app allows me to buy expensive things in lower even payments with no interest added on or hidden fees. For example, today there was a launch of a pair of gym leggings I’ve always wanted to own but they sell out right away and I can never afford them and this app made it so I could afford to place my purchase today and make installment payments over time. I’m beyond satisfied with the fact that they allow you to do this for ANY website. I’ve used Afterpay and they only work with certain partnered websites. Klarna gives you access to buy anything you want for any of you like me who do not have the money saved up for the item right away. My checkout was fast, easy, painless, no issues. 5 stars a crossed the board.

- Hit or miss

I have a love hate relationship with this app. I love the idea of it and when it actually works it’s amazing. However there seems to be a lot of issues popping up here and there. The customer service is by far the worst I’ve ever seen. For every issue they suggest that you delete and reinstall the app. Which never works. And they completely blow off what you’re trying to tell them as if they don’t speak or know proper English, I have no idea what that was about but I was very unsatisfied. Sometimes when applying for a ghost card it’ll say I’m not approved or that they’ve “hit a snag”. They’re never able to tell you why either. Then it’ll randomly start working again days or weeks later. If those small issues were fixed and they got better customer services representatives this app would be worth well over five stars. It’s helped me out greatly. Overall I would recommend if you have the patience for when the app bugs out!

- Very disappointing

I was very excited and told many friends about this app when I got to use it on 2 purchases. Now after everything has been paid off I went to use the app again and it says I’m not approved for a ghost card at this time. I uninstalled the app reinstalled thinking maybe it was a glitch nope still denied me... I waited a few days tried again denied... all payments were on time no issues I don’t understand why it just stop approving me I have more then enough in the bank to cover the whole transaction I just liked the 4 payments split. Customer services is a joke they don’t help at all I don’t even know why they have a cs staff because there answer is the same every time it’s a system decision... I tried the app again and it approved for a purchase I went to edit the order and it cancelled it but still charged my card the first payment amount and is still saying merchant order pending when I never submitted the order the order even says 0 but still pending for days now and still hasn’t given my money back... I was excited about this app in the beginning now it’s awful and I’m deleting it now.

- The Real Review you want!!!

I never normally write for an app but I had to for this one. At first I was very skeptical about using this app! But honestly it’s the best app on my phone I’ve been able to do payment options with so many different companies that already work with other payments company like ( affirm or afterpay ) but I was unable to get approved for them but Klarna give them freedom I needed. NO THIS DOESNT MISS UP YOUR CREDIT. I’ve seen a lot of reviews or people say they finish their payments and it drops their credit score. If you make your payments on time and pay them your fine. The only thing I can think of that would affect your credit score is if you got sent to collections for not paying your agreement. I honestly recommend try using the app with one store make a purchase of $80 try it out. Don’t be scared of these other reviewer‘s who just don’t know how to use an app.

- Horrible!

Was very excited when I downloaded this app, everything seemed fine with my first purchase until I decided to return the second purchase... I’ve been waiting for them to return my money for two months now! The company I ordered the item from has revived it two days after I returned the items and confirmed it! I contacted klarna with 5 different agents thro the two months period, our team will contact u and no one did till a week ago (that’s the first time they contact me in the two months period) by email and when I replied to their emails and questions again no one replied back! The agents are friendly but no help and they ghost for few then they reply after few mins , they ask the same questions the previous agent asks (my returning process and my past reaches out to the klarna should be saved for better service) I have to repeat myself all over again for 5 times and at the end they will say we will reach out to u in 24hours (no one does) or wait for our team to reach out to u? I’m gonna delete this app after I pay the ghost card and will download another app, horrible returning process.

- Amazing!

I’ve never had any problems using Klarna & seriously love it. I’ve made 3 purchases so far, one of which was canceled because of the retailer was out of stock but I was quickly refunded. I’ve always been able to see payment due dates and make payments early, I noticed a few other reviews said otherwise. The app does have a few flaws; having to send and email to login even though Face ID is enabled (its only every once in a while, not every time) & while mildly annoying, it’s really not that big of a deal. The approvals can be inconsistent at times, & I’m not really sure what factors determine approval/amounts. I’ve had quite a few of their “ghost cards” that I didn’t end up using in the allotted 24 hours, & have been approved more times than not. I love the fact that you can basically use it anywhere, Klarna has some serious potential and I can’t recommend them enough.

- Glitchy App

I’m not sure what the issue I had was but I know the app has some glitches to work through for sure. I downloaded the app, was approved for a ghost card, the purchase went just fine! I applied for another ghost card but it wouldn’t approve me. I thought maybe because I’m still paying on my previous purchase that I couldn’t be approved for another. No biggy. I tried to pay off the remaining amount I owed and suddenly the option to pay in full wasn’t there. It kept saying “payment pending” from my last payment that I made 2 weeks prior and had already been taken and posted on my bank account. I called customer service, waited 30 min to talk to someone and she told me to log in online and see if I could pay it that way. I could. She told me to re install the app so I did. I paid the remaining balance off and a couple of days later tried to make another purchase, still not approved. Makes no sense!!!! I’ve tried with several different stores and for several different amounts, nothing. Idk how this app has 4.7 stars, sounds like everyone else has the same issues. Afterpay is awesome though!

- Frustrated

Let me start with how I really want to love this app. But their customer service is terrible. This app has potential to be amazing if their agents had straight answers to issues that occur. I have been using this app for some time now I have mad multiple purchases and have paid on time and even early for every single one of them. This week I really needed to make a purchase and it was extra important. I had no outstanding balances , I don’t owe Klarna money at the moment and never been late. The purchase I made was with the card I have always used for Klarna purchases. But I keep getting a message stating I have outstanding balances. Like I said I do not owe any money and I have payment history with Klarna, I don’t see why I can’t use the app to make this purchase. When I contact an agent they give me robotic responses nothing straight forward then tell me to wait 48 hours I been waiting 72 hours and still nothing not even for smaller amounts I keep getting denied. I really want to love Klarna but they need better customer service features to trouble shoot this robotic automated system that is seriously laggy and not up to par

- So upsetting

I loved this app, and was so excited to be able to purchase things through a payment plan with out having to get an actual credit card. Made my first purchase bought a cute outfit. PAID OFF my balance EARLY. Went to do another purchase, nope! Tried multiple different amounts different websites. Nothing, won’t let me use it. Contact customer service, they only gave me generic responses about why it wouldn’t work. That is could be the time of day or what I was trying to purchase!? I mean seriously, what kind of app only lets you purchase certain things at only certain times. BUT, you have no idea when, and it’s just random chance. No thank you! I’m extremely disappointed at the vagueness of customer service and inconsistency of this app. Hopefully they’ll get it together soon and fix it, because by the looks of it they’re going to lose a lot of customers.

- It’s amazing when it works

I’ve had this app since July, and it has been a godsend for grocery shopping, gifts, and the occasional splurge on myself. 4 easy payments and it automatically takes the money out. However there went a time where it declined everything I would try to do, almost two months! I contacted support and got the same answer. The system is automated and makes a decision each time and different things can cause it to go through or not go through. It really scared me because the main use I wanted it for was my daughter’s bday. Luckily it started working almost a week before her bday. I tried again today for Christmas shopping and I’m getting declined again. Like I said the app is amazing, however it’s not guaranteed. I don’t like being stressed wondering if I’m going to be approved or not for crucial purchases. I hope in the further the system they use to make the decision gets better because even loyal customers are getting screwed over by the decision making process.

- Someone stole my package!!

I was tracking my package and it said delivered on a Saturday at 2:46 pm. I arrived at home about 5-5:30 pm I go to check my mailbox there is no package. When I make it up to my apartment I ask my mom and siblings if they got a package for me, they all stared at me and said no. I started to panic this had never happened to me at my apartments. I’ve only heard of people stealing others goods, never had it happened to me. I couldn’t believe this. I went down to check my empty mailbox one more time. NOTHING! Immediately I contact the usps and the merchant, Klarna wasn’t open so I waited till today. I spoke with a service rep and they are the most reassuring team I’ve ever dealt with. The rep was empathetic and she made sure to help me try and fix this issue. I had to come and write a review I feel so much better about the entire situation. It was not her fault and she apologized it’s the little things.

- It went downhill

Got my first purchase and there was issue with my merchandise. Needless to say, I was told putting my account on hold while I sorted out the issue wouldn’t hurt me getting approved in the future. I got my package like a few weeks after (found by usps claim) and I quickly resumed my payments after and paid my account in full...low and behold... can’t make purchases again. Why? Simply because I opened a dispute since I bought something and I didn’t get my merch. I did all in my power with usps to get my stuff... the reps at klarna did so little and assured me I wouldn’t have problems purchasing again. Be warned, if there’s a problem with your purchase you WILL BE denied in the future. Just heads up if you pay and don’t get your merchandise, you’re gonna have to eat the fees and call your loses. I should’ve done that instead of disputing. That’s bad for klarna because I actually paid for my order before the time due. Now I’m with quadpaid and haven’t had issues at all. I wanted klarna to work, I really did. But somehow I’m not approved anymore and their customer service can’t do anything about the issue. Bye klarna.

- Klarna, try again...

Klarna is not straight forward with how their payment installments works. The payment installments work by setting up a “Ghost Card,” however, I was stuck on the fact that they offer installments and it let me know what date my payment was due. I thought everything was perfect. I thought I was setting up my card to the future installments since I saw a future due date but as soon as I set it up, it took the whole payment for the item! I was in shock! But they have a customer service number, so no biggie right? WRONG! I would like to say their customer service is very nice however, I asked for a partial refund due to my mistake and the agent informed me that once I make the full payment, they are not able to refund me, not even for a partial amount. I would’ve never done this had I known. I’ve never had issues like these with QuadPay or AfterPay so you are much better off with them. Klarna, please work on your policies and then maybe I’ll use you in the future. For now, I’ll stick to what gives clear instructions.

- Great way to shop!

Sometimes you need to buy things right away and may not want to charge it or have the full amount that you can spare. With Klarna you can pay in four payments every two weeks. You can buy something on payday and if it costs $100 you can pay $25 in four payments that comes out automatically every two weeks! It’s also a great way to shop online because it create a credit card that isn’t your personal info so there’s no chance of someone stealing your credit card info. My only issue that has happened only once was a return that was processed after three months. The shop tried to return the money to my Klarna card and it was denied. I’m still trying to get my money back as I sent the item back to the retailer. So if Klarna is looking over these reviews I could use some help on this. But will that being said that is the one and only time I’ve had an issue.

- Love it wish I could make a payment sooner sometimes

I love this app, makes it A LOT easier to purchase large orders. I have 6 kids they can get expensive lol.. I only have one wish that they could change, sometimes I get paid early that I would like to make a payment early. But there’s only a choice to make the full payment now, or you half to wait until they take it out of your account. I learned if you don’t have an actual checking account, not a safe debit or credit card etc. But a checking account, then it will not approve your ghost card/ account with them. I tried putting my safe debit on there, it would not work. Which makes sense because they just need to make sure they’ll get their money even if their putting you in the negatives. Other then that, this app really saved me a few times, school, Christmas, birthdays!!

- Update is sad

I used to absolutely adore the Klarna app. It was easy and simple and very convenient in times for birthdays, holidays etc. I’m very disappointed and will not be using Klarna anymore due to the new update. I have been using Klarna for a very long time, never missed a payment and even paid some off early. I’ve spent 100’s of dollars through Klarna and the new update makes it where it declines your transactions with absolutely no reasoning. The only notification they give you is “sorry it can be frustrating to be declined to purchase something through our company but we can’t change that decision” and then tell you reasons of it maybe being your credit score, late transactions and other reasons to decline customers. (Which none apply to me). You try to reach out to them and they turn you away. Thanks for everything Klarna.

- Don’t waste your time

It doesn’t matter how much money you have associated with the card or bank account you’re trying to use with this terrible app and service or how high your credit score is: they will reject you arbitrarily with no reason and waste your time and energy when trying to complete purchases. You get penalized for being a new customer, which defeats the purpose of bothering with it in the first place. So much for “innovation” and it supposedly not being like standard line of credit issuers. Just pay in full at once or order what you need in increments yourself—Klarna doesn’t want nor need your business. Update: Still terrible. Unlike Afterpay (their superior competitor), Klarna doesn’t disclose to you anywhere what your spending limit is with them. Instead, they want you to guess and jump through hoops in the hopes of paying off enough of your “pay in four” (defeats the purpose of installment payments when you’re forced to pay off everything in full at once before you can get a paltry credit) orders before you can try to use them again. AVOID.

- Inconsistent

My first few purchases were super easy. Now, all of a sudden I am either not approved for a ghost card at this time or I get a message that says no payment method found. Getting in touch with customer service is almost impossible and if you’re luck enough to talk to someone they’re less than helpful. My husband recently downloaded the app, went to make a purchase, created a ghost card with no issues, as he tried to process the payment the merchant error came up and said they don’t accept those kind of payments, no big deal. Canceled the order and deleted the ghost card. He went into make another purchase and was told the limit needs to be no more than $100, which makes no sense since his first ghost card was created for $200. Went back and removed some items so the balance was lower, went to create the ghost card and lo and behold, not approved for a ghost card because he needs to “ pay down his balance”... he doesn’t even have a balance since he’s never made a purchase. This app is great if you can get it to work, aside from that it’s worthless.

- Good at first now horrible

I used Klarna to make a purchase that was larger then my norm. It was great having the payment broke up over 4 payments you don’t even notice the money coming out it’s so minimal. I paid my purchase off early as it gave me the option. After this initial purchase and a great experience I went to use Klarna for a second time . And boom Denied . I chatted in to ask what the heck would cause this to happen especially since I was never late And paid by my first purchase off early. We the customer service rep was no help at all and told me there is no rhyme or reason to approval and denial. They told me it can depend on location. , time of day , amount all kinds of factor. So for the last month I attempt to use the app and wash time nothing. It’s a horrible app great idea and concept so if there is another developer out there this apps could awesome.

- Soooo useful, but soooo buggy

I’ve been using Klarna since September and will generally use it to purchase clothes, items for the house or a new video games. They make it easy to compare prices from the many different merchants or stores they offer and as long as you pay on time you usually can get more “credit” with them. Now these are the few reasons I give Klarna 3 stars and ways I kinda work around the bugs: Sometimes your approved for purchases but something in the app with tell you your not approved. I know this because I have been in good standing with all my payments but they will not approve me for less then I have been before. One time I noticed I turned my WiFi on and the same ghost card i tried to make that was declined then got approved, weird, but I do that anytime I think there’s been an error. Another tip is to make a ghost card for whatever store you want and to go to your regular browser and just copy the card info. It works the same way as it would in the Klarna app. Another small detail is the payoff early. I wish there were a way to pay one payment early like on other apps like Klarna instead of the whole purchase at once. Other then that I love the app and it has been very useful but it needs a little work.

- So convenient!

I absolutely love this app. I’m constantly recommending it to my friends and family. The only issue I have with it is that for some reason it won’t let me create a ghost card with my chime visa. I can switch over to it to pay off cards, but I can’t use it to crest one. It’s really frustrating because that’s my main bank since I get my check early with it. So I have to transfer money to my other bank through Apple Cash (which involves a fee) in order to create a card on the spot. (For reference I usually only keep rent money in my other bank account so I don’t have spending money in there). It would be nice to find out why I cant use my chime visa as I’ve never really been given an explanation (it just tells me that it won’t accept the card). Also if you’re using a vpn TURN IT OFF BEFORE TRYING TO GET A GHOST CARD! It took me like five rejections before I realized klarna thought I was in Germany 😂

- Great app idea, horrible implementation and service

Why do you implement an app like this without the ability to override an automated decision? I signed up, was excited to use this app. Come to find out when I try setting up a ghost card, I didn’t qualify. I contacted customer service, they told me the system automatically makes the decision. All you provide is your home address, name and debit card so I don’t understand why it declines it. Customer service is no good because they can’t tell you or give you any information as to why you aren’t eligible to create a ghost card. Why even have a customer service department then. I tried many different items and cost from 35 which is the minimum up to 200 and nothing. Now I have enough money to cover the purchase in one go, but I prefer doing over time payments, so I have more than enough to cover the cost of the first payment they hold so there isn’t any issue. They need to provide the ability to override the system decision or even give some useful information to fix the issue and not just use a copy and paste response.

- Horrible DONT USE

I was trying to make a purchase at H&M app and was told I was eligible for $230 worth of stuff for either the payment plan or 30day pay later. All 3 of my cards were declined. Each account had money in it. I went to the store (H&M) to make a purchase and the associates there even OFFERED ME to pay with Klarna as the purchase WAS ELIGIBLE. My transaction was declined there as well. I contacted customer service, chat service, and the lady Padaam was very rude and not helpful she continued to tell me that I need to to use a different card when ALL 3 of my cards are from a MAJOR BANK. Then she told me the items weren’t eligible for klarna, which is obviously a lie because then she told me due “privacy policy” a bank from. CHASE (a major bank in the US) is not accepted? And I proceed to show her a screenshot of klarna FAQ that states ALL majors cards (visa,master,etc) ARE ACCEPTED, just not prepaid ones (which I don’t have) she LEFT THE CHAT. Once she got caught in a lie and couldn’t come up with anything else she just left the chat and made it to where I am unable to request for customer service. VERY POOR CUSTOMER SERVICE. VERY UNPROFESSIONAL COMPANY.

- Good until...

When I first downloaded this app I really enjoyed the fact that I could go on any website and pay in installments. But recently it stopped allowing me to create a ghost card to make purchases. I saw online that other users were saying they were no longer taking prepaid cards. So I switched to my credit unions debit card thinking that would help. It didn’t and when I contacted someone from Klarna all they could say was it is an automatic approval and not manual so there is nothing they can do. They also said the approval is based upon Klarna history and billing and shipping addresses aligning. I have never missed a payment or had any error with payments and I’ve made multiple purchases. Also my billing and shipping address have remained the same and they match. So I am very confused as to why I am no longer approved, a customer who meets all of the Klarna standards to be approved for a ghost card. This app was really amazing, but I can no longer make purchases so there is no point of using it any longer. What a waste.

- 👎🏼 Zero stars if i could give it, It doesn’t work

Let me start off by saying that their services is utterly useless, when i first started using klarna i was approved for a 40$ loan which i payed off within a week, but after that i was getting error messages saying i am not approved for any more ghost cards... why would someone advertise Their services if it doesn’t work at all, i am a college student and you can tell that money will be tight most of the time, i thought this service would at least help out with certain chores and school fees that i have, i was completely wrong, the app is just on my phone ready to be uninstalled, after i spoke with customer service, they were more useless then this app is, i can’t seem to know what their job duties is, i mean just sitting in a cubicle and telling people you don’t know what’s making the app behave the way that it is. If your reading this by now i have uninstalled this app going to connect with a blog post owner to write about how horrible this app is, they failed miserably with thier concept and i am disappointed beyond repair.

- It was nice while it lasted!!! 0 stars

Started using this app last December for holiday purchases and groceries (AMAZING RIGHT?) and then out of the blue (after 9 payments made on time) I started to get an error that I wasn’t approved even though I knew I had more then enough money to cover the the entire amount. Even after speaking to customer service they were very unhelpful stating they have no way to help that the computer calculates this choice and to try again in a few days. I’ve tried unsuccessfully every other 4 days and get the same error or stating that I need to add another form of payment to ensure payment.....I have 2 cards from 2 different banks and my bank account info on file. I will be adding this to another “useless app” collection I’ve created. The concept is absolutely amazing but because it never works it’s got a 2 star rating. Unless this changes my review will stay the same. -update they have now sent me an email stating they pulled my credit and are now refusing me service due to the decision! Go with Sezzle or QuadPay and save yourself the headache.

- Worth it? Maybe.

Tried it for the first time a few weeks before Xmas and it worked fine, no issues for a $30 robe. Then, for the past two weeks, have tried to use it again for ASOS, through the Klarna app and the ASOS app, but the app tells me I’m not approved to use it again. Could use a lot of improvement, especially with the denial of customer. Finally decide to chat customer service, for Amit, who was no help but appreciated the somewhat help. If you chat any of them, even the manager, essentially they’ll just tell you you’re SOL. Not much help at all. They’ll give you some excuse with no answer, basically to keep trying or just give up and try again another time. Tried using it to prepare for a vacation and it’s no help just like the customer service apparently after reading the reviews stating the same thing. Use it to your own accord, just don’t expect it to work more than once or twice (if that). Definitely need to update their system if they want to keep people using that app. Xoxo


So I got Klarna a couple months ago, it was fine I made the installments for my purchase and everything. I have 2 more installments to pay for, right now everything was okay, it was just like Afterpay. I then tried going on this website called AliExpress. For some reason none of the websites I was clicking for AliExpress were in English. I have the AliExpress app so I checked my app and it was perfectly fine. I tried messaging there “support” team. I had to wait 6 minutes for a “representative” which she stated her name and that she was going to help me. I told her what was wrong. 20 minutes go by I still don’t hear anything from them, I messaged them again. They didn’t reply, after a few more minutes I told them I will be leaving a review and they finally replied, apologizing for the delay. There was no delay, they didn’t want to help with my problem. If something is wrong with your account, I promise you they will not help you. So do not use this app. Use afterpay or QuadPay! They both work amazing.

- Horrible

Used it in the past with no issues. Now all of a sudden I can’t use it. One support person told me they don’t accept my bank anymore and another one told me my bank is fine it just fails to get added sometimes. They don’t even know what is going on. All they did was tell me to add a new bank card, as if everyone just has more than one bank account. Now I want to close my account, because I’m unhappy about all of this. They told me I can delete my payment info, but I have to wait for a ‘support specialist’ to delete my other info from their systems and someone would reach out to me in 1-2 days. I’ve been waiting 10 days now and nothing. So apparently when you don’t wanna use them anymore they just ignore you and hang onto your info and won’t even allow you to close your account on your own without waiting and waiting. Don’t waste your time!!!!! I bet you they will reply to this review with their generic answer to “contact us in the app using the chat support function” and I will wait and wait with no response!

- Doesn’t even deserve the 1 Star

I’ve made several purchases using this app. All paid on time and paid off. Never had an issue. I recently went to make another purchase from a merchant that I had previously purchased from using this app and was declined for a ghost card. First it said I needed a new method of payment. Which the card I was using was not a prepaid card and is through one of the banks that can be used with their app. Finally get that issue taken care of and get declined for a ghost card anyway. I reach out and their “customer service” couldn’t really offer any insight into why that had occurred. As a used to be frequent customer that never had any issues in the past using this app I was highly disappointed. It was great while it lasted but I wouldn’t recommend them in the future. And they can miss me with that “we have some bugs in the system we are trying to fix.” I’ve worked in customer service that is the biggest bs line to tell a customer. It almost never works and it really makes the customer more distrustful of you.

- Customer service doesn’t care

Got this app to use since the site I wanted to buy some stuff on didn’t accept afterpay. I tried multiple times on both the site and thru the app to check out. Using my card and the ghost card options. Contacted customer service and they told me it was because I had a negotiate balance on my account... I’ve never used this app before then and just made the account. I told them that and they told me to wait a couple of days and try again. So I did. Same thing. Unable to make card or check out. Tried contacting customer service again. They told me “can’t you just figure this out on your end”. I talked to 4 different reps and they all just said. “Sorry I don’t know”. Don’t waste your time with this app. They obviously don’t care about why things are messed up or not working and don’t care if their customers are taken care of properly. I don’t normally write reviews but I couldn’t take the rude way I was treated by the reps and I should have read the reviews before downloading because it seems like I’m not the only one.

- Could not be happier!

I’ve never left a review about an app before but I felt the need to with Klarna. I’m in college and finances are tight, so sometimes dropping $80 all at once on a winter coat (for example) isn’t an option for me. I love that I’m able to make purchases with interest-free financing and not use a credit card. I even got a much-needed new pair of glasses that I would’ve had to wait a lot longer for without Klarna. Customer service was also responsive and helpful when I had a question (I used the mobile chat). As long as you don’t spend beyond your means, this is a great way to make bigger purchases into smaller, more easily-manageable chunks. Bonus benefit: you don’t have to use your personal debit/credit card everywhere, which feels more secure with all the data leaks that have been happening recently.

- Started out strong...

I first started using Klarna back in August, everything worked fine, I was making purchases, making every payment on time. Well in November, I was denied a ghost card for a bogus reason, I called customer service, they told me to wait and try again later. I did and everything was fine. Well come December, Klarna denied me ghost card stating I had too many late payments, which was the total opposite, I made sure my funds were available and paid each cycle. It also wouldn’t allow me to add my bank account nor 3 different credit cards, stating “we don’t accept these right now!” I was totally disappointed at how the tables turned out of the blue...and all the reps kept telling me was they use an algorithm that determines who will be approved for a ghost card... well I think payment history should be considered especially when you have a spotless payment history. Very disappointed in Klarna, they need to do better!

- I should of listened to the bad reviews...

I was so excited when I found klarna because I been using Afterpay this past year and love it dearly but what sparked my interest with klarna is that you could use it at many more online stores so I tried it. My problem with klarna was the fact that it don’t have the option like Afterpay to pay on one of your four installments as you go which I assumed it did with the button that says “pay off early” so I clicked it thinking I’d have the option to pay partial off I was wrong I tried paying off the whole thing which I didn’t have the full amount on that card so I reached out to klarna to explain my problem and an agent told kept telling me it’s fine because it was paid so I figured in a few days it would show back up because I knew i didn’t have enough money for the full balance on the specific card it was linked to and I could switch cards but the option never did which I assume is a glitch on their part but basically to try to make this shorter they won’t waive the fee for me 🙃

- Awesome!

Love this app! Have made over 6 large purchases with no interest payments. I have always paid on time and most cases paid in advance which I love that option. What I wish this app had was the ability to see how much is my spending limit. Please work on having this as it would be nice to budget! Other than that I recommend this app. UPDATE: I have used this app for many purchases in which I paid on time and at first was helpful but now it’s just headaches! It has this agenda to lore you in and then after timely payment history it then gives you the error that you are not approved for a Ghost card at this time. No explanation as to why and chatting with their reps is useless as they will say they have no control over this. Wish they fix this as this app has been very useful in the past.

- It’s not working out

I wouldn’t recommend this app to anyone. It’s okay for SOME purchases when it decides to work. But I’ve been using Klarna consistently for about 9 months and paying the balance back either early or on-time. I’ve never had a late payment, but I’m still restricted to a $260 limit. That’s not much at all and customer service says they have no control over anything. They can’t adjust anything. They are basically only there if there’s a problem with the ghost card you’ve been issued, but outside of that they are no help. Using apps like AfterPay, QuadPay and Sezzle I’ve been able to unlock and responsibly maintain $1000 limits. No, I’m not out here buying 1000s of dollars worth of stuff, but knowing that if there was something I wanted to buy in split payments, I could. At this rate, I can’t even buy an Apple Watch or AirPods after taxes with Klarna. Maybe when they get more control of their app or revamp their clearly bogus and inferior algorithm I’ll use them more often, but for now it’s just not worth it. I would not recommend.

- Worked until it did no longer!?!?

So this app gets 2 stars because of the experience I’ve had with the app and customer service. When I downloaded the app back in June it worked perfectly. I made my first purchase and even paid it off earlier to make sure there was not issues. Then I made a two purchases in August and one in September. Always making sure payments are made and that things are in good standing. Then in late September I went to try and make a purchase they app tells me that I can’t use it and to use another form of payment at checkout. Didn’t understand why I would be getting that message because I handle the app good. Reached out to customer service to be told try and smaller amount and if that doesn’t work there isn’t anything they can do which is crazy when I have a history with the company/app they can look at and verify. Tired several times and amounts since then with no avail. The app worked until it didn’t any longer. Sad but true.

- I used to love you, Klarna

I had a flawless experience with Klarna until recently. Everything was perfect! I have a wonderful payment history with Klarna and have always paid on time However, I lost my debit card connected to my account and had to wait several days to get a new one. In the mean time, I wanted to connect the purchases to my bank account which I was told was not an option. However, the purchases attempted to draw from my account anyway. The purchase price wasn’t an issue but the app said for weeks that the payment was processing when it never was. I contacted Klarna several times and they were helpful in my endeavor to keep my account current. I physically mailed them a check to pay the final amount off on a purchase which went through. I thought, all is well! I can resume my purchases with Klarna. Every time I try to create a new ghost card, I am declined and the reasoning is that I have an overdue payment and that i need to clear up my payment issue. I do not have any overdue payments. A representative from Klarna themselves confirmed I have no outstanding debts with them. Despite me deleting apps and reinstalling, clearing cookies and caches, and accessing it from a different device, I am still unable to make any additional purchases because I have an apparent “overdue” payment. I am so disappointed with the software glitch that keeps me from using such a wonderful service.

- Wow

I remember when I thought this was just the best app ever ... well this fooled me lol . You all have a system where you can’t even get into it to tell your customers why they were not eligible for a ghost card .. sounds weird .. you all just copy and paste the same stuff all day is what it seems like. I’m starting to think you all recycle customers .. because it seems like everything is all good in the first few times we use it and soon as you do more updates and customers get the hang of things something weird happens .. there’s a lot of complaints from existing customers but the new customers think everything is great until they have purchased a few more times ..seems like the fun in the app only last for just a short while .. you all need to run your own system and stop being lazy and having a computer or what ever do it for you . Especially not being able to tell your customers on why we were denied .. all your reps do is copy and paste and tell us to try again later lol . No help at all... it’s ridiculous

- Not worth it. Horrible support.

I loved this app at first but while trying to pay off my account I had several issues. My first three payments drafted out as planned but it kept saying there was an error when trying to complete my last. I tried to go through the app myself and pay off but it wouldn’t work. I tried again the next day and again same issue. After going through several support people no one knew why it wasn’t working and I was getting emails threatening collections. I was trying to pay it but they would not accept the payment. Support told me I would not be sent to any collections since I was attempting payment and they would make a note. They said to try through a browser instead of the app, that didn’t work. Then I was told to delete the app and re-download and try again the next day... that still didn’t work. Now today I get an email from a collections agency for the remainder. I finally have it paid off as I tried to do a long time ago and early but I will be deleting this app.


Once i applied for the ghost card i was denied stating my payment was not accepted tried again with a different only to be told i need to pay off a previous balance when i have never used the service...the chat customer service is bs since your not speaking with an actual rep...called the 800 number only to speak with a rep named Brianna. Explained the situation and asked if she can provide a reason they would tell me i have a previous balance as a new customer...Brianna only repeated what i said and told me try again after updating the app. Sooooo your not even gonna ask for my info to look into the problem I’m inquiring about? I then asked for a supervisor and was told she fill out a form to have one call me back. I asked to be transferred to the supervisor 5 times and she didn’t even check to see if they were available before telling me there weren’t....a friend of mine had already warned me they took money out of her account and still denied her the ghost card...it took 10-15 days for a refund...People save your time this is a scamming app

- Horrible

The app is not working at all. If I could give it zero stars I would. I downloaded it because I saw their commercials and I had friends say that it was awesome. So I downloaded it and went to purchase something and just like pretty much all the reviews here said, a message pops up and I quote; “Your purchase cannot be accepted Unfortunately your purchase cannot be accepted at this moment. Please choose a different payment method to complete your purchase.” I tried and tried and nothing. I used different cards where I made sure there was enough money to cover the whole transaction not just the first payment. I also added my bank account. I did it all and made sure it was a debit card. I also tried different amounts, even the smallest amount and still it won’t approve me. Nothing has worked. At this point I’m beyond frustrated and I will not recommend this app. I think that the the app developers should really take a look at the app and see what’s going on because judging by how many bad reviews it has and being that the bad reviews are for the same exact thing that tells me that there is something wrong with the app, it’s not an isolated issue. Developers please take a look at the app and see what’s going on with the app. The app has a lot of potential but it will go down if it’s not working properly like it’s happening as we speak.I have tried using the app different days, times of the days, different months and still nothing.

- The worst

I’m so aggravated with this app, company whatever they call themselves. Let me make it CLEAR that I’ve never had a klarna account EVER in my life. On 3 occasions I’ve tried to use a ghost card with my debit card and all were denied because it said error you must pay off your previous balance first. What?!? I’ve never had an account with these people prior to. And then when i tried to contact their useless fake “customer service “ through the app , it took them a whole day and half to respond! So after that i decided to just not even have an account with them anymore. However a month later i FINALLY receive an emailed response about me not getting approved for the card. And they said it was because of my credit...,,,how in the world would they even know my credit let my social security number for them to even know my credit score?!?!! Literally all i put in was my debit card information. Users beware this may be a fraudulent company trying to steal your information, they’re not even a company that’s here in the U.S.

- Customer Service is Horrible

When I first signed up with Klarna, everything was great. I missed one payment because there was fraud on my gf’s card, however when we got it situated, we decided to pay all of our balances in full. Now my the maximum amount I can spend is $50 and their minimum is $30. If you can’t afford $50, you shouldn’t be using Klarna. I thought building credit with them would be a great alternative for holiday shopping. However when I spoke with their customer service department on several occasions in regards to this, they all gave me the same textbook response. “Of course paying it off early is a positive reflection on your account. Try again later. Sometimes it depends on the time of day. Sometimes it depends on the store.” Credit is credit. It shouldn’t matter if I apply for it at 2pm or 8pm. The allowance shouldn’t be effected by this. And that answer makes me cringe cause it’s so all over the place. How did I go from $250+ being my minimum to now $50 with everything paid off in full prior to the due date?

- It was ok.

I had a hard time with the creation of ghost cards. Many people were getting declined and after making a purchase and them actually taking my money for the 25% down payment for the purchase, my order was canceled. The crazy thing about this is they still have my down payment for a cancelled order. However, come to find out the company I was purchasing something from cancelled the order and never told me why. Needless to say I have stopped shopping with them. The second incident with klarna was when they tried to charge me late fees on a payment when clearly the amount was in my account AND they had just taken a payment for the other purchase I had ( I had two purchases due on the same day). My experience wasn’t all that with them and I had proven myself to them by paying off multiple accounts only to continue getting declined for ghost cards. I’ll do better sticking with Afterpay if you want my honest opinion.

- What happened?

It worked great and then all of a sudden it stopped. I applied for a ghost card for a large amount, it was approved but I realized I didn’t actually put in the correct amount so I deleted the card right away. When I went to apply for the correct amount which was only about $20 less it was denied? And ever since then nothing has been approved. And I keep getting the same response from customer support “we can’t see why, but try later” that’s garbage customer service guys! I’ve used this app because I believe in what you are trying to do and as much as I’ve used it I’ve never been late and I’ve more often than not paid off my ghost cards early. So to be denied for even the smallest amount is completely unacceptable. Your idea behind this app to help people and get away from the money hungry credit cards is spot on but the gears working behind the scene are flawed terribly. Fix this or just give up because denying a purchase because it’s 1pm in the afternoon rather than 6pm is just ridiculous!!

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The gift that keeps on giving!🎅🏽🎁 Grab 40% off all full items from today with discount code “ENDOFYEAR” finishing the year with bang 💥 . . SHOP NOW! . . . . Buy now, Pay later with Klarna . . #BeYourOwnLabel #BlackLabelClothing #MerryChristmas

Envy Shoes

Our Boxing Day sale has landed! 🙌🏽🙌🏽 Get up to 80% off everything today! No code needed 🤍 Worldwide shipping available & buy now, pay later with @klarna 🙌🏽 Shop:


😍All wrapped up knit dress😍 🛍 Shop now at 💵 Get Now, Pay Later with Klarna #momlife #ootd #womensfashion #styled#aydanstone

Club L London

𝐁𝐫𝐢𝐧𝐠 𝐢𝐧 𝟐𝟎𝟐𝟏 in The ‘𝘚𝘵𝘦𝘦𝘭 𝘔𝘦𝘵𝘢𝘭𝘭𝘪𝘤 𝘙𝘶𝘧𝘧𝘭𝘦 𝘚𝘩𝘰𝘶𝘭𝘥𝘦𝘳 𝘋𝘦𝘵𝘢𝘪𝘭 𝘔𝘪𝘯𝘪 𝘋𝘳𝘦𝘴𝘴’ also available in ‘Cream’ worn by @emily_shakarji will sculpt your figure to perfection!💎 Shop now pay later with Klarna 💸📲

Moda in Pelle

Did you know, you can buy now and pay in 30 days with Klarna? Shop online now and select pay later at the checkout:


😍Raspberry sherbert hoodie😍 🛍 Shop now at 💵 Get Now, Pay Later with Klarna #momlife #ootd #womensfashion #styled#aydanstone

Milk & Nectar ~ Kbeauty Skincare

🚨 Sale on tomorrow 10am AEST 🚨 Let's celebrate the skin we're in with 30% off absolutely ALL SKINCARE! We'll cheers to that 🍸 Shop the sale from tomorrow at 10am AEST, ending midnight Jan 9! Skincare now, pay later with Afterpay & Klarna. 💻

Public Desire

That cinderella 𝙍𝙀𝘼𝙇𝙉𝙀𝙎𝙎 👀 🎀 Shop 𝙍𝙊𝙈𝘼𝙉𝙏𝙄𝘾 🇬🇧£34.99 / 🇺🇸$52.99 . Don’t forget... you can BUY now & PAY later with Klarna 😱💸


😍Family gatherings plaid top😍 🛍 Shop now at 💵 Get Now, Pay Later with Klarna #momlife #ootd #womensfashion #styled#aydanstone

Club L London

𝐶ℎ𝑟𝑖𝑠𝑡𝑚𝑎𝑠 𝐸𝑣𝑒 𝑉𝐼𝐵𝐸: Trousers & a Crop Top but make it SPARKLE ✨🖤 @emily_shakarji is featured is the ‘Silver Metallic Corset Top' & 'Black Matte Sequin Wide Leg Trousers’ 💫 Shop now pay later with Klarna💸


😍Slay all day Judy Blue jeans in dark wash😍 🛍 Shop now at 💵 Get Now, Pay Later with Klarna #momlife #ootd #womensfashion #styled#aydanstone

Klarna | Shop now. Pay later. 20.51.167 Screenshots & Images

Klarna | Shop now. Pay later. iphone, ipad, apple watch and apple tv screenshot images, pictures.

Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images
Klarna | Shop now. Pay later. iphone images

Klarna | Shop now. Pay later. (Version 20.51.167) Install & Download

The applications Klarna | Shop now. Pay later. was published in the category Shopping on 2016-06-22 and was developed by Klarna Bank AB [Developer ID: 1075880092]. This application file size is 149.34 MB. Klarna | Shop now. Pay later. - Shopping app posted on 2020-12-21 current version is 20.51.167 and works well on IOS 11.0 and high versions. Google Play ID: com.klarna.app

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