Reviews for Klarna | Pay your way

horrible horrible sight. they tell you have this much to spend with very little money down. then when you actually go to purchase whatever it was that you wanted they change the whole outline completely. you. ha very to make a down payment of roughly 70%-80%. now if I wanted to do that it means I would have the money to make the purchase without klarna. I DO NOT RECOMMEND THUS COMPANY AT ALL. PURE SCAM!!!!!!!! once my stuff is paid for the account will be closed and app deleted. Garbage site!!!!

In comparison to Stocard this app can't be rated more than 2 stars. Sometimes it takes up to half a minute to open my cards. This is not acceptable when you are going through the busy till. Holding cards until you load advertising is just not acceptable. Cards should be loaded instantly from the offline storage, then updates to the cards can be loaded from the cloud, and only after that the adverts and promos.

all of a sudden I can't use my Chime or Cash app card anymore. Never missed a payment and always paid off my purchases early. Now I can only use my credit cards to pay and I'm not doing that. And I'm not switching banks. Been with Chime for a long time and it is souvh better than all the physical banks. Way to reward good customers. These apps just keep getting worse and worse. Thanks for nothing. deleting account and app as we speak.

The application is broken and customer service is not capable. They appear to be working from a script and don't possess the expertise to deviate from it. When their resolution steps are exhausted, they blame you for the discrepancy and close it. The only elements in the process that have changed is Klarna, yet it must be something on my end. B/S!

A plus member- The customer service experience is atrocious. They WILL hang up when, not if, they can't figure out the issue. 100% dishonest in their customer service. Representatives from overseas WILL lie to you if a tx has an issue they can't solve or don't understand. Something like, "oh i see the transaction on my end. It is just taking time to update..." and end the call knowing that is a lie. Purchases have end up costing more after upgrading. Never even had a late payment either

***Update*** I have done as advised & the app still doesn't work. I can open it but can't sign it. The loading symbol keeps going over the sign in button. Please fix the app! The app hasn't worked in months. I keep seeing updates in Google Play. I update my app but they do nothing. I can't access anything thru the app. It stays on the opening screen & doesn't log in. I can only access my account thru using a web browser. Please fix the app so accounts can be accessed.

I have never missed a payment, and I've spent thousands of dollars through Klarna. This last year I was somehow locked out of my app and it would not allow me to log in even on the website. I've spent several hours on the customer service phone number trying to get this resolved. apparently they don't know why I can't log into klarna with my account. we have done the resets, the uninstall and reinstall apps.

won't let you pick the amount you want to pay. I want to pay my small loan off faster but I have to pay in small increments. if I want to pay it off early I'll have to make the same charge of $75 multiple times over 20 times (not sure if there's a processing fee) this makes it harder to pay off your loan sooner. won't be using klarna again after this purchase. I was using the app.

I love Klarna, I've been a customer for a while and have never had a problem. Just would be nice if they increased my spending limit. I've had the other "buy now, pay later" app the same amount of time, and I'm up a lot more on that one. But overall, I love Klarna. Makes life easier.

Horrible experiences. Every time they say they will approve an amount, then it changes as you go through the process to a lesser amount they can approve. Then after that, if you back out and go back through the same process for the same amount a minute later, they approve EVEN LESS. THEN they want you to verify your identity and it once again will fail out. Way too many hoops to jump through for very little in return.

Unbelievably awful. I am still trying to remove a pending charge that was placed on an order that never went through. BEWARE all potential buyers- if you initiate an order, even if it doesnt complete, they will still remove the deposit from your bank account and then claim it's a "temporary hold." Absolute nightmare trying to get my money back, still not resolved. And the customer service is just AI!! Impossible to reach a real person. Worst service I have ever experienced from ANY app!!!

Amazing app that allows you to build your credit and make payments on things that you want now, so if you don't have the full amount for what you want/Need you can get it now and make split payments that you can afford!!! What could be better, Download the klarna App and start your shopping spree within minutes!!! Klarna has made it possible for me to get work clothes and tools and pay them off over multiple payments, I couldn't afford to buy them without the amazing split up payments

This is based on the app and not Klarna as a whole. The app is extremely slow and constantly says something went wrong and won't load what is trying to be viewed. This is happening on Android, in my case, specifically on Samsung phones like S25 ultra and Z Fold 6. I'm not sure what needs to be done but an update with a fix to these issues is needed sooner than later.

It worked just fine at first, as expected. But then I had my info leaked in a data breach and locked one of my credit files. I forgot and when I attempted to make a purchase I was denied. I figured it what was wrong and unlocked my file but still was denied. For half the amount of my previous purchase which I paid off early!! Now they want half up front and then split the remaining half into 3 payments. I'm probably going to use other BNPL apps after this experience.

WARNING klarna will randomly do duplicate payments already made out again, 6 days later as a "billing error" contacting them will do no good it's a "pre authorization" when it's unexpected and 2 weeks before Christmas this is a massive issue. They've been holding it for a week. They also largely go off your credit score, despite what they say it says "you are denied due to your credit score" for a 500 dollar fridge for example when my spending limit is 1k. On time payments don't benefit you.

I used to love this app. Told all my friends about it. Made my payments on-time, if not paid off early. Had one issue one time and you are pretty much labeled as no longer worthy (and trust me they always got their money-that wasnt the issue). Started having issue after issue after that. Paid off what I owed and finally gave up using it. Just got a notice (10/15) of some bs reason I was denied something back in JULY. And customer service is zero help. Shame. I really liked it while it lasted.

We were desperately trying to get new tires. I went through every step. Put in the amount and it gave me 4 options. I was IMMEDIATELY declined for 3 of them. But the 4th one approved. Added my bank, got the money, set the appointment for the tires, agreed to the terms & then last second, declined. I get an email explaining & that's fine but why let it go that far? They all declined on the spot why let one go all the way to the end before declining it? So thanks for the false hope. It was great.

Don't Order From Amazon With Their Card they declined the rest of an order like the amount didn't exactly match the remainder of the payment plan and Amazon pulled 90 from my bank account. Customer service is some kind of no help AI that told me I should make sure I have enough money in my accounts. Ridiculous. First and last time that I will use for Amazon payments. My day/week was already bad and Klarna just piled on top when it was used to give me a break.

Not a good creditor imo bc they make you put down insane down payments at like 30%. so what is the point of borrowing money? Also, app is EXTREMELY hard to use. I just want to pay back my total in full, but they want that interest HARD bc it's virtually impossible to pay stuff off in full on the app. be careful: they advertise at the mall and hook you. You're better off with a real credit card bc at least you can fight a real bank if you hit hard times. Don't give into the temptation.

The app itself isn't bad for a BNPL as far as being able to get things. The problem comes in when they continually change your purchasing power for no apparent reason what so ever. when I first started my account I had 450$ and never missed a payment yet somehow as im writing this, im at 200$. this is unlike any BNPL ive ever dealt as all the other will raise your limit for making successful payments and also notify as to why you're getting an increase. probably not gonna use this much anymore.