Klarna | Shop Now. Pay Later. Negative Reviews

Klarna | Shop now. Pay later. App Complaints & User Negative Comments 2023

Klarna | Shop now. Pay later. app received 140 complaints, negative comments and reviews by users. Have you ever had a bad experience using Klarna | Shop now. Pay later.? Can you share your negative thoughts about klarna | shop now. pay later.?

Klarna | Shop now. Pay later. for Negative User Reviews

✓ Don’t use if in canadaThis only works on 2-3 stores in canada and you can’t make a one time card nor can you purchase through online retailers..Vaz4ktreyVersion: 22.18.281

✓ Loved using their service prior, until they defrauded me for an orderEdit per Dev. response: No, there was no cancellation; having confirmed with the merchant, they never received their part from Klarna. The fact that they want to push the blame off on everyone else but themselves is clear indication that they’re unprofessional and unwilling to take responsibility for their mistakes. Avoid. As mentioned in the title, I’d used these guys frequently, and highly enjoyed the company. That is, until today, where they charged my card for an order they didn’t complete, and on top of taking the money out of my account, my “estimated amount to spend” greatly reduced (to the point that I can’t retry ordering), and given an excuse of “very soon” for my refund. There’s no accountability to be taken, and blame was instead put on the company the order was made through (despite the payment being taken /by/ Klarna). I’ll be closing out my account after this, as this is extraordinarily unprofessional. Edit 2: Fool me once, etc etc; today, after giving them the benefit of the doubt, decided to order something using their payment plan, and for the second time in using their services, yet again they had taken my money and did not complete the transaction. Unless you like loaning companies money for a week and waiting to get it back, I’d not run the risk of using this service..Sworly WVersion: 21.46.88

✓ Waste of timeThis would be a cool app if it would actually work. When it does work, it’s awesome, I’m able to make larger purchases and either pay every two weeks or spread the payments out over 6 months. Here’s the issue, the app will work seamlessly then out of nowhere it won’t. I will attempt to make a purchase and initially I’m told I’m approved, I agree to the terms and go to the next step where my ghost card should be created but then it isn’t. I get this weird message telling me that my identity cannot be verified, so I answer the security questions, receive confirmation that my identity has been verified just for the system to do it again and ultimately deny my purchase. This only happens with the 6 monthly payment option. Then for some reason, a lot of merchants have stopped accepting Klarna ghost cards. Two merchants in a row declined my purchase because I was attempting to make the purchase via Klarna, super weird. I would love for their app and system to be updated to prevent these types of scenarios from happening going forward. I understand that they cannot intervene and make companies accept their payment, but the issues with ghost card inconsistently working is ridiculous. I have Afterpay and have never had any issues. They let you know up front how much you’re eligible to spend and you’re easily able to make purchases as long as you stay within your limit..KarahstarrVersion: 21.24.180

✓ 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..ChadleyviceVersion: 20.19.112

✓ DO NOT USE KLARNA! Terrible app,terrible customer service, terrible companySet up via Apple. Spent ages trying to work out their stupid app, finally all sorted and they took a payment on the agreed day of the month. Next month comes, they don’t take the money. I contact them, don’t care about the charge but do care about the impact this has on my credit rating. Pay them extra. Check and make sure I set it up properly on the monthly thing - all set up. Days go by and no response from them - surprise, surprise. Try emailing, nothing. The app says the payment is due on at the end of the month, but also says they won’t take it till the first of the following month - very confusing. After reading some things in the news and other reviews it would seem Klarna are good at doing this and letting honest people who think they’re paying, not pay and be charged. Great way to make a few extra quid for them hey. Terrible company. Never again. The app is rubbish, I always have to reset it up on my thumb print and it didn’t take the direct debit request. Dangerously bad for your credit rating. So so cross..FicksyVersion: 20.3.28

✓ How on earth does it workI hav zip and Afterpay and find this app really odd it won’t tell me my spend limit or give me like a card to use in store it didn’t even ask me for my details can’t even find my name in my profile can someone explain wth I verified my email is that all it needs I’m so co fused it usually needs at least a dob 🤦🏼‍♂️🤦🏼‍♂️ so is it Russian rullette for every purchase?? Or is there a general amount you can advise and is it available to use like zip in every store say coles for example I found the information that says u can but I wouldn’t even understand how I would do it I store such a mess how it’s created I’m hoping this goes more in the direction of zip or Afterpay it’s so much less confusing and I’m worried about I store being denied that’s pretty ruthless.AidkaskyeeseVersion: 21.26.147

✓ Its alright....Does make it easier only having to pay for what you want rather than sorting refunds for anything that doesn't fit or you don't want after trying it on so you can ‘try before you buy’ with online shopping still. However the app doesn't work with face ID so you have to request the email link to log in every time which is a bit tedious, also doesn't let me go through the option to pay in instalments. It gets as far working out the price after passing/accepting everything and just gives an error as its unable to ’slice it up’. Could be better as an app with a few minor issues but does make the overall process of shopping online easier..Gregs197Version: 20.7.57

✓ Used to be greatKlarna used to be my go-to app for paying in 4. Now it seems that they have wet the bed, so to speak. I can’t get approved for anything through them, even though I have a “purchasing power” of 300. I guess the purchasing power doesn’t mean anything anymore. So many users, myself included have been very good at paying back our loans, on time or early. And all of a sudden, we aren’t responsible shoppers. I had a purchasing power of $750, that went all the way down to $0. After paying off some of my loans, I have a purchasing power of $117, but I’m still not able to use it. I get declined every time I try! So they need to do away with the purchasing power idea, and instead just make you reapply every time and let you know what your purchasing power is when you go to check out, like they did in the beginning, other wise it’s just a bunch of lies. Also when inquiring about this to Klarna’s support they told me to try contacting a credit score agency to see if something is blocking me from using Klarna. Why would I do that?? The app used to be seemless. You had a purchasing power and could actually use what it showed. Now they’re telling you to ask the credit companies because they pull from Vantage now. It’s just ridiculous. Will be taking my business exclusively to Zip Pay..Hippogriff2009Version: 22.31.192

✓ MisleadingI 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..Fier29Version: 20.12.37

✓ Robbers!!! Read this before!!!This company is a fake company, they only have the app, if you have an issue and want to talk with a real agent over the phone- they provide you with a phone number that takes you nowhere and makes you wait in line “30 more seconds” forever. They stole my money, they promised me a refund by cheque- a month passed no cheque, I message the live chat and they said I got a refund and now I have to go to the credit card company and get them to write a letter stating I didn’t get the money. This is robbery in broad daylight. Don’t use this company at any cost unless you want them to take your money and never give it back.KusachtakVersion: 22.7.219

✓ They charge late fees and well as sub charge fees whatever that meansThey charge late fees and well as sub charge fees whatever that means.Simbah__Version: 22.49.221

✓ Better options out there.Do not use Klarna. I purchased concert tickets through them and the concert has since been cancelled. Refund was done 5 days ago and I randomly got 2 much smaller amounts instead of the full refund so I reached out. First agent told me that it would go towards my Klarna balance and I’d have to request a refund. I said there’s nowhere in my account a balance shows how do I request a refund? They didn’t give me an answer said they were sending it to a specialist time and I’d hear back in 1-2 days. I still haven’t heard from them. So I reached out again yesterday and got a response that they had long hold times but someone would be with me soon. That was fine I just left the chat up and kept working but no one ever came. The chat is still waiting for a response 24 hours later but I contacted again not through my purchase and finally got a response. Now all of a sudden the rest of the refund is processing and I’ll have it in 5-7 business days. Why didn’t they just send the refund all at once? It didn’t take 5-7 business days for the random smaller amounts so why didn’t they just process the full refund? Also more than 24 hours with no response from customer service is unacceptable. I can understand being busy but 24 hours is ridiculous. I wouldn’t recommend using Klarna. Plenty of other options to split up payments which would be much better. 👎🏻.Jenanderson07Version: 21.34.138

✓ 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..Shon_PVersion: 19.34.29

✓ Could be great.Overall shopping experience is very good no issues there, be great experience if there would be more retailers available, but I’m pretty sure it’s s coming. The bad things are - there's no way to see what is your limit to spend, apparently there isn't one, but when you look online Klarna states that there is and kinda guides you how to find it, but when you look for it you cant find anything, so called option does not exist, then you move to customer support, if you have any questions regards anything but your purchases, your done, there are some options given to choose from and if none off them are what you need help with and you probably will, there’s no way to contact customer support neither on the app neither on the website so you getting nowhere, there's no option given like - Other to be able select it and get to customer support to discuss what ever you need assistance with, basically very limited customer support available :/.Ogars32Version: 23.6.197

✓ Great until they’re notLet me start off by saying I love Klarna or used to. They were the og payment app for me. I have recommended them to everyone I know even though I also use affirm, quadpay, and after pay. I have been using Klarna for a few years now and have used their app more times than I can count. Seriously, I have had a million transactions through them. I have always had on time payments and most times paying stuff off early. For some reason lately they flat out won’t approve me for anything even though I have almost everything paid off through them so far. I have borrowed over a thousand from them in one transaction before but now they won’t even let me borrow two hundred. My credit score has significantly increased since I first started using them so that can’t be considered a factor in their decision. I should be able to borrow their max amount at this point since I’ve beyond built that trust with them but lately they seem to be treating me like I’ve never used their app before. I’m just beyond frustrated with the service I’ve been getting from them recently. I have started using affirm and quadpay instead. Even though I haven’t used those two near as much as Klarna they still give me a significant spending amount and I never have an issue with being approved for what I want. I wish Klarna would function the way they used to when I first started using their app. I don’t know what has changed but they’re starting to lose a lot of loyal customers because of it..Mamabear1415Version: 22.24.181

✓ The best (updated)There are so many apps like this but none actually cover as many stores as Klarna nor do they make it as easy!! You can use it in store or online or through the app or even just through the regular site. It is a win win!!! Ok I have been using this app for a couple years now at this point. The way they do purchase is crazy. They check your credit constantly as I was just emailed about. They change all the time for no reason your purchase power and email you ridiculous things. I have purchase power and tried to make a purchase but can’t because they have certain cards they work with now although I’ve used these cards before several times. I was then emailed that I was denied because of my credit but keep in mind I have a purchase power and the message that prompted on the screen was about the card I tried to use. They basically said in the email they check my credit with each use and that is how they determine if we can use the app. I don’t recall them telling me that every single purchase required them to check my credit or my bank account. I have decided to leave them and continue with Afterpay where I have no problems. Also there is no way to customer service without an open order…who in the world thought this was a brilliant idea..Queshell87Version: 22.38.246

✓ Don’t waste you time!!!!Klarna was not even a payment option on literally every single store that I tried to purchase items. Big waste of time..ClearbayVersion: 21.50.245

✓ Read before getting this app!!This company is complete garbage honestly also how is this rated 5 stars literally every review I read was rated 1 star so 🤷🏻‍♀️. First off you need to be approved by Klarna with a credit check which I had no idea that’s a reason they can deny your purchase amongst many others . Age , credit, quantity of purchases , cost of purchases, approval, time using the company , credit history, and the obvious debt . This company is a joke at best do not use them do not store your card with them if you do use them and check your cards frequently. I hope this company goes under they have been zero help and for that matter how can they be in business when they don’t tell people anywhere until after your denied that they don’t approve all purchases. I have no debit I have never used Klarna except to try to make a 150. Purchase . Maybe because I’m in Canada I honestly have no idea why I wouldn’t be approved to make a purchase. Retailers should be weary when partnering with this shady company!.Stephanieny631Version: 22.23.182

✓ Unable to paySo I downloaded the app so I could buy things and pay gradually. To help towards paying off a credit card and also due to being on very little funds. But apparently, I have such poor credit that I can’t pay for absolutely ANYTHING via the app. Which I find odd, seeing as I don’t have THAT poor a credit. I know people in 10s of thousands of debt, people who are declaring bankruptcy, people who have to go through their partners to get on mobile contracts. But yet, they are using Klarna themselves. How?? How are they able to buy the new Xbox and PlayStation via Klarna when I can’t even buy a build a bear?? Then when I requested that Klarna delete my account, they don’t even ask why. They just ask how they can “assist” me. Very poor customer service. So only 1 star as I can’t select zero stars..Disgruntled assassin117Version: 21.49.222

✓ Delete personal infoHow do I do it.Eastboi45Version: 22.27.49

✓ TerribleBeen using Klarna for over a year now when my credit wasn’t that great, when I first started using it it was fantastic (5 stars) I was consistently using Klarna on a monthly basis and always paid on time for every payment, a few months ago I settled all my payments early and then weeks later when I tried to use Klarna again I was refused due to my credit score. This is odd because when I first set up over a year ago my credit score was probably about 100 points less than what it is now, it was a fair rating and now my credit score is a good rating. Customer service is beyond terrible including the specialist team who seem to have the same answer every time I try to figure out why I cannot use it any more “please contact transunion to make sure my details match with their records” my details haven’t changed in the last 10 years and certainly haven’t changed since using Klarna.IDamoVersion: 22.48.104

✓ Credit check + leaves enquiry without notifyingI 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..Tayy.parkerrVersion: 20.17.70

✓ Bank transfer to pay in full??Had my reservations about using Klarna because of the nature of the product but I went ahead and made a purchase for a trip knowing I would have the money to cover the whole purchase a week later. I’ve now found that they don’t allow any in app or online options for making a full payment, and send bank details for me to pay in full? Feels very unprofessional and I want comfortable sending money outside the app as you’d think this is something they would have in place being such a popular company. Feels like a way to make paying in full more difficult and catch people out on their payments. Will not be using again. Paypals instalment payments seems much more thoroughly thought through and allows users to be more comfortable they’re money is safe..J10937Version: 22.27.49

✓ Worst customer service ever!If I could give this app 0 stars then I would in a heartbeat. The way the app functions is nowhere near as good as Laybuy and Clearpay and the customer service is absolutely the worst I have ever received in any company. The customer service team are rude, ignorant and straight up LIE TO YOU. They don’t even try to go above and beyond for you, they do the bare minimum and then will leave the conversation halfway through your query. Still going back and forth with them now over a mistake THEY MADE and still yet to get an apology. I tried to make a complaint about another customer service correspondent and the one that I was speaking to told me that she would do it internally and I would receive an email about it which still has not happened and this is a serious complaint issue too. You may have a good experience with them but looking at other reviews here a lot of people are going through even worse than I have. Take Laybuy or Clearpay over Klarna ANYDAY OF THE WEEK; never had 1 single problem with Laybuy or Clearpay and I’ve been using them for longer than Klarna. Train your customer service team to at least not be straight up RUDE..Lalalalal124859571109Version: 20.22.123

✓ Garbage payment systemProbably the worse payment system I have ever used. I’ve used flexing and affirm and both are superior than this trash app. Was trying to make a purchase on Etsy it takes me to this app which I registered for and linked my card. Each time it says sorry we can’t complete this purchase and then after a while it says I have reached my spending limit? I haven’t bought anything on this app as I just registered. Not only that but I had to sign in and get a code texted to me every time it took me to cart. DO NOT USE THIS stick with affirm or flexiti.WodgamerVersion: 22.31.192

✓ Poorly designed .I decided to try this app to see if it would work as it claimed. I ordered a pair of boots from Frye through the app. One week later the order was still processing so I contacted customer service at Klarna. I articulated what my issue was, no information about the delivery, the app only said my order was processing, and I wanted to know when my order was coming. The agent then directed me to contact the boot company myself and seek the order information myself. So I contacted the boot company customer service. Within the hour a refund was issued for my order no explanation or apology. Word to the wise , don’t use this app..El Papito El PapaVersion: 22.20.211

✓ Was a Great easy to use app previously but has been ruined recentlyThe app used to give a very quick and easy insight into purchases and what payments were coming up and was extremely user friendly. For some reasons the devs have removed a lot of this simple functionality and ease of use and the app has become really almost pointless. I now have to search through purchases to find out the next date of payment rather than it being evident on all my currently live plans as it used to be. This last couple of updates have ruined the functionality and user friendly usage completely. Please please reinstate the older UI style for purchases and plans that are still live so it can be seen with one click/touch what’s upcoming and left to pay etc.Ben waaVersion: 20.47.220

✓ Fraud appI never buy anything from them but when I used it for first time they are saying that clear ur previous amount on our app. I downloaded and check on app and in app its showing 0$ but when I try something to buy its says clear ur previous charges. They just need ur info and to download their app. Better to go with someone else.Canada vickyVersion: 22.26.177

✓ SucksAt first it was great. Now, there is no way to report a return (which I need to do) and no way to extend a due date. Those options have disappeared. I have to now contact customer service which is extremely inconvenient. Annoying..Heyloho45Version: 22.24.181

✓ Maybe too convenientThis app is amazing, it has everything in one area and it’s very easy to navigate. However I would argue it’s too easy to navigate, I went to see how much money I owed for an item (I chose to pay in three split payments due to not being able to afford all in one) when looking at the amount I owed and the date, it took all three payments in one, I didn’t press a pay button, I didn’t press any form of confirmation button yet it was taken. This is simply because I clicked to look at the item and cost. When talking to customer service they explained that they couldn’t return the money as it was already gone, this is after 40 minutes or repeatedly explaining the problem with them having little understanding..Georgia1307Version: 19.29.52

✓ Not as great as it used to beThis app used to be amazing I had stopped using PayPal and switched to klarna for the rewards that you could get gift cards with. They no longer do gift cards and it’s just $5 off whatever store you pick that they offer which aren’t places I shop at like Burberry, Etsy, Nike, Ray ban with X amount of purchase. That’s not much of a reward versus just having the $5 off of whatever purchase I’m spending at. If I had Burberry money I wouldn’t be shopping with klarna. Along with that I don’t seem to get approved for the pay in six month period anymore even though my credit score has increased and I have never made a late payment with klarna and usually pay off my transactions early. Another thing is that I have had issues with returns when it comes to Walmart. I managed to get it fixed both times but it was a lot of back and forth to not get charged for an item I didn’t receive and that Walmart didn’t charge for because they didn’t have it in stock. Another bad experience was when I bought an iPad using klarna the place I bought it through said the card was declined but klarna was still asking for payments for my purchase even though the transaction never went through. I did manage to get that corrected but it’s besides the point. I’m definitely done using klarna and going back to PayPal they even offer there own rewards for using there thing now. Just sad klarna went downhill..Savvy805Version: 23.10.207

✓ DisappointedI 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!.V737036Version: 20.35.116

✓ Difficult to useHonestly I have never made App Store reviews but I needed to make one to say save yourself time and headaches and just go with afterpay or zip pay! Klarna is being advertised through my CommBank app so it seemed trustworthy. Credit check is pulled when you sign up however, you have to jump through so many hoops to make 1 purchase. Tried to make my first purchase but kept being denied as over limit despite it being my first purchase (over $35 under $1000). Support has advised I have to make many small purchases first to build credit history, which if they’ve pulled my history through CommBank they can see I’ve never made late payments. They want you to make lots of small payments first but you can’t pay them off early... anyways users beware..LolscrubVersion: 20.51.167

✓ Money stolenThought this was a good service and have been using it for a bit now however today noticed an extra transaction taken out of my account, so paid for one transaction twice, customer service are not very helpful and basically just have to wait to see if the money (50$) will come back in to my account and if not to contact them after 7days to get a different team to look at it . I will no longer be using this service once paid up ..Mc hunchVersion: 22.20.211

✓ DisgracefulThere has been an issue with the app for months now where I go to make a payment, can see my saved cards to make payments but I am unable to select them and make the actual payment. I have been told several times now that this is a known, ongoing issue with the app and yet months later, it still hasn’t been resolved. I have also tried via mobile browser and it’s the same. For one purchase, I was given the Klarna bank details to make payment that way along with a reference number to add to the transfer so it could be identified and when it was still showing as unpaid on my account two weeks later I queried it and was told it was their fault as they had given me the wrong reference number and it would be resolved. Still waiting on it being resolved weeks later. If I could give a no star rating I would. I’m worried about purchases I’ve made via Klarna having an impact on my credit rating through no fault of my own. To have such a big issue ongoing with making payments, that Klarna know about, is disgraceful..0dazedandconfused0Version: 22.17.239

✓ First time trying, no goodIt’s my first time trying and they wouldn’t let me make a purchase!.Chubb11111Version: 22.49.221

✓ AVOID. Klarna stole my money.This is my first experience with Klarna and after placing an order via a merchant last night, my order was declined but card charged with the first payment installment. After reaching out to the team, they had no record of the transaction despite me sending screen grabs of my account being charged. Customer service is unhelpful. They are not available to speak on the phone and won’t provide a reference number for the investigation. I am going to the police to report a theft. There’s plenty of these buy now, pay later services available. Try another one before giving Klarna your personal details. Avoid..Scottb87Version: 22.2.142

✓ Nothing special and hopelessThought 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..Kattking122222Version: 20.6.75

✓ Wrong directionI just received an email telling me my spending power has been reduced due to the lack of activity in the last 12 months. I find this interesting, as, instead of sending out a survey to understand why, or just read the commonality amongst the people in the reviews here, this is how Klarna chooses to go about it. Yet, like so many others have stated, having to “gamble” on if the purchase is going to go through or not is too much of a headache. And now, when my purchases are declined, I don’t even bother trying to reduce my cart, I just move to another service. A service in which I got long after Klarna, and have used far less, yet however has increased to 3x the amount of spending power I have now with Klarna. And honestly, if that service allowed purchases to be made anywhere, I would’ve been closed my Klarna account. And yes, I have read the Dev responses in here stating having to decide/limit the lending that can be offered. I find this as a poor response as I am sure that at the major growth of the company, there were so many of us spending, which of course resulted in the increased spending power we all have…. Or had. I think since the release of the Klarna card, which I do also have, there’s been too many (wrong) things put in place, or too many things that made Klarna awesome, taken away. If my assumption is correct, maybe rethink the card, Klarna. The service boomed before it. The people may be happier without it..ATX User-TVersion: 23.14.226

✓ Terrible customer service awful company scamNeeded to change my name on my account because my husband and I created it to use together so it was his name on the account but all of my information. We wanted to just have it under my name. Looked online and the faq said you can change your name by giving them your Id. Chatted with an agent who did not know how to do their job, first they said I can change it with the id then they said actually never mind you can’t do it and refused to update my account even though I sent them a photo of my id and my husbands id! Called on the phone and spoke to another illegitimate agent who said I can change it with my husband on the phone. Got my husband on the phone and agent refused to accept his information even though he was sitting right there next to me and gave all his correct info. Argued and finally he decided to accept my husbands info and then after being on hold for 30 minutes the agent claimed he can no longer do it and told me to make a new account. I can’t make a new account because it’s already under my email and phone number! Agent refused to help me any further so now I’m done with Klarna since they are obviously a scam and very shady. Their employees obviously don’t know how to do their job and have no training at all. Stay away from them because they seem very suspicious and I don’t trust them with my money anymore..ChefauriVersion: 22.49.221

✓ Terrible customer service!Company had a data breach back in March of 2021. When you logged in with your password and email, another persons account would open with their order details, card information, shipping address and a lot information. In August, I noticed an issue with my account when I was not able to make a purchase. The app told me that I have payments on another account. I only have 1 Klarna account so I thought that was strange. I chatted with an agent and she told me that because someone had my same name and birthday that the system thought it was my account. She escalates my case to a specialist. A MONTH goes by and I have not received any kind of notification so I reach out to them. A different agent gave me a lot of information stating that a women in California* I live across the country* (he gave me her address, phone number and name) was using my account and that she had multiple purchases that were not paid for. Since then I have spoken with about 8 different people and no one has been able to delete me my account or fix my issue. I have been dealing with this issue since August 2021, it is now December and no one has responded to any of my escalated cases. In addition to all of this my bank account was hacked. I spoke with customer service and again they stated that I needed to wait for a specialist to reach out to me. No one has been able to help! Don’t use this app!.KDavis34Version: 21.46.88

✓ Worst customer experienceI am shocked by the terrible customer service I received by this joke of a company. Messages are not answered and when I finally do get in touch with someone they shift the blame and take zero responsibility. Honestly, stay away..AMarm7Version: 22.43.235

✓ Not workingEvery time I put something in my cart. Klarna insist that I’m purchasing from America which I’m not. On top of that when it shows the “pay with klarna” button it won’t even let me press it… someone fix this problem.PurpdrinkVersion: 22.4.180

✓ Careful with your moneyIf I could I would rate it 0! If I could I would rate it 0!! I have been scam from a company that take payment thru Klarna and it took so long for them resolve the issue, they haven’t took my matter seriously, they started the process of investigation very late after I have bring it to their attention, nobody knew that the dispute team are doing or solving as I had to explain over 20 agents I have spoken during this process the whole story becAuse it would have not been explain in the system so this process would go quicker. After weeks of waiting and solving this dispute they send me an email explaining that the refund process has started and to wait 5 days to arrive, TO JUST find out in the 5th day that they refunded didn’t work from their system without anyone contacting me at least to let me know , and that I have to wait some more to solve this problem now!!!! AS IF COULD GO ANY WORSE and the issue is that nobody is contacting you to let they know what’s happening with your money !!! Absolute worst app I could ever been dealt with !.Etaa_ancaVersion: 20.5.85

✓ Rewards & Minimum Amount of PurchasesI’ve been using Klarna for years and only god knows how many times I done used Klarna for past purchases! Used it countless things & countless times. Bills, clothes, grocery shopping, plane tickets, shoes, anything you can probably think of I did it! Klarna was in my Top 5 most used apps! However, recently things changed. I had rewards lined up and finally chose one that was expiring. I chose the reward to be a $5 Nike reward. Coming to find out, the reward isn’t a gift card anymore & I have to spend at least $20 for my order to use my reward. In the past, I could just my $5 reward anytime without extra stipulation. The minimum purchases I noticed changed too lately. It was previously at least $10 but now it’s $35+. I recently found out by wanting to get some slip resistant shoes from Walmart. I was completing the transaction creating my One Time card and then I seen the $35+ minimum purchase warning. I was shockingly disappointed/upset. I can’t even tell you how many transactions I overall had that was overall below $35. To be honest, I sometimes I would have the money for the full total but I would choose to use Klarna just because. I often just use Klarna and use the remaining money elsewhere if all that make sense.Kevinlevin2kVersion: 23.8.181

✓ GarbageI went on the sites that is supposed to be partners with it, and it’s only with the US. So it’s completely useless for Canadians. A complete joke since I signed up and gave them my info too. Very upset with how poor this app is made too.Toshiro.HVersion: 22.3.210

✓ Stealing money for orders you have not verified by entering card details with supplierI’m having to download the App, because Klarna has saved my card details, and allowed a supplier (large retailer), to place an order using my details during covid-19, and debit my card using Klarna. All of this has been done by the retailer (JD sports), because they are trying to force sales with customers. Klarna, is clearly untrustworthy and I won’t be using them again to make purchases, I will stick to clear pay, who are so desperate that they essentially allow companies to do fraud and steal from customers. If Klarna required more verification from the customer before allowing sales and purchases to go through, I won’t not be prevented from using them ever again, but since they’re unscrupulous like most other retailers, I have no choice. Both companies have disgusted me, and are a waste of time, I didn’t have to use either, and they’ve thrown the opportunity customers give them to flourish back in customers faces by being treacherous and borderline desperate. This is not how you retain and build trust with people, it’s how you become known as a trashy scam..Nell010101Version: 20.14.56

✓ GarbageSigned up and tried to make a purchase but it was over some arbitrary spending limit they set, even though I provided my credit card details. Total waste of time. Don’t bother..Me9901abcVersion: 22.35.229

✓ Pink screen... crash pink screen... crashNew update makes app completely unusable..TheduchessofparadiseVersion: 21.46.85

✓ Beware!!!Coach stores Klarna return process is the worst ever. I returned my items at the Coach store in Los Angeles. I was told returns are accepted in store. Well returns are not actually accepted in store. What they do is, put it in a ups shipping bag and give you the tracking number and tell you that Klarna returns are not “processed in store” we ship it for you and it’s ground shipping so it takes 5-10 business days to arrive at the warehouse. My return arrived at the warehouse exactly a week later and was told that my return would be processed within 5-9 business days. Well it’s now 1 week later which is two weeks from the day I made my return at the coach store. And my return has finally only been acknowledged as received by coach today. And now they will process the refund within up to 9 days. WTH!!! And of course once it’s processed it then takes another 3-5 business days for the money to be received by Klarna. And then another 3-5 business days for Klarna to process the refund and another 3-5 business days for my money to actually be received into my bank account. So if you have been keeping count of total time it will take to receive my refund from the day I returned the items directly to the store in person. It’s drumroll…….. 6 weeks and I’m on week 2 as of today. Again, do not make a purchase through Klarna if there is a slight chance that the items you buy will have to be returned!!!.Lboogy96Version: 22.31.192

✓ Not a fan.I have been using both Afterpay and Sezzle for over a year, never an issue and all my purchases get approved. Klarna has NEVER approved a purchase for me no matter what the amount is. I'm definitely not impressed and it's a 1/10 do not recommend for me..MzDamnVersion: 22.24.181

✓ Pretty uselessThis app is not working as in is only a browser and you cannot see that split payment.Cedie30Version: 21.6.161

✓ Ridiculous HonestlyHeard loads of fantastic reviews about the app and gave it a try, setting up was very simple and straight forward however once making a purchase with the app has given me nothing but problems and headaches. The company voided the payment and I’ve been on to customer service a few times now regarding a refund or wondering where the money has went to as it was removed from my account, all I was told was they couldn’t contact the bank, so I had to contact the bank for the bank to say it’s Klarna’s issue and Klarna needs to contact my bank, so now I’m down over 110 pound and all I’ve been told is that it will take 5-7 days to return? Bank can’t touch it as Klarna has it and Klarna is refusing to speed things up, tbh I’m not happy at all and I don’t think I’ll be using the app again. Disappointing really, love the idea but not how it’s carried out..ExoTic77Version: 23.8.181

✓ Good at first but turns into scamBiggest scam!!! You will think it’s good to begin with trust me I did loved it for a few weeks. But then they will stop letting you spend and when you question it you will be told you have a late payment but these “late payments” they never actually show up on your account or let you know of them nor even show up in your purchase history and you will be made to make these payments to start using you account again. This company either have something completely wrong with their app (in which they do not want to help the customers with or even recognise) or they are just completely lying to people and scamming them for late payments that aren’t real. To tops matters off the customer service are completely rude and come up with the silliest most unrelevant excuses for everything, I felt like I was arguing with a 2 year old..XxGamerGïrlxXVersion: 22.22.141

✓ Difficult transactionThe klarna used to displayed the purchase power of our account. However it’s been removed unfortunately. On friday last week, i tried to create one time card for $500 purchase. Unfortunately there was unpredictable card fee that incurred after inserting visa card that created around $18. Transaction fee is commonly happened, the worst experience was I needed to cancel the card to create card and recreate one time card that equal or over the order total. However the system refused the attempts even until today, 1 week after that $500 one time card created. I couldn’t add up more money to the card. The customer service also unable to return the purchase power and exactly nothing either klarna and me can do to return the purchase power. It made the transaction process very difficult and longer, any unexpected card fee would give you hustle to fix up the card balance. However, step up by commonwealth bank and afterpay are so much practical than klarna. At the end, the purchase isn’t done and shopping becomes a bad experience. What can be learned is, i need to recalculate any potential card fee above the total transaction by myself and add it up on top the total transaction cost. The system fail to advise and educate the customer about this additional fee would happen during transaction. I spoken to 2 customer services before, it was on monday and today, i am feeling left behind because my account still disabled to create one time card..Robinkwok94Version: 22.37.228

✓ Useless rewards systemHello, I have spent several thousand dollars using Klarna. And all that time have made my payments faithfully. I saved all my points and redeemed them for several certificates for the same store. I read the terms multiple times, and was never told they could not be combined. Until I went to go complete my purchased, and was only given a measly seven dollars. Klarnas terms nowhere specify that you cannot combine certificates. I said I tried the live chat, and I even called them. They refused to give me my hard earned rewards, and then refused to cancel their “certificate” to return the points instead. So I’m at a complete loss. 1500 points completely wasted over Klarna‘s miss information. I’m very upset. So once my final purchases are paid off I will be switching to Affirm only. Exit for Klarnas filler response- I did call, and live chatted. A resolution still couldn’t not be reached as I’m told several times that it’s completely impossible for you to reissue my points. If the app is that under developed then you should see that this is fixed before putting it on the market. I specifically saved ALL my points to use on your rewards certificates and now they are gone forever. I was given no compensation. Your staff is kind, however you need to rewrite your terms before promising something you know you can not deliver. Thank you..KskdjsjskkdkdkxkVersion: 22.49.221

✓ FutileKlarna is another fintech fail led by young yt guy. Customer service is non existent. I mean so non existent that I was on hold in the chat forA VERY LONG TIME to be connected with a supervisor. How long exactly? Put on chat hold 12pm Friday and it’s now Monday morning with no supervisor in sigh. I tried asking for help repeatedly in that time frame in the chat and got nothing. Second off I recommend the younger folks trying this out to research how credit cards got started and why they are so popular with banks and profitable (hint: they prey on all of us to make it easy to spend money we don’t have and in return spend months paying back with interest - insanely high interest). Klarna is srsly sinister. It’s clear this app is designed for ppl who can’t afford expensive items but will literally go into a payment plan to buy them instead of traditional credit card where interest accumulates immediately. Tips: ~test out a few low cost items to decide for yourself if this works. Do this over multiple orders (at least 3 different orders) ~DO NOT pay with any sort of klarna gift card or anything that would make returns difficult or tie you into klarna further ~ instead of paying this app each week for installments- save up that money for each week you would already be paying klarna and purchase your item with money in the bank. If you can’t save money like that then you need financial counseling..Mel3567392Version: 21.40.171

✓ Useless & StupidThis App. and Klarna in whole is a terrible shopping and reward system…. There is no explanation on how to purchase in store and then how to earn reward points… They offer you 1500 Flybuys points for the first time users but that does not exist; cannot even add my Flybuys Card number; does not even ask for it, nor there isn’t any option to add. When I click on the rewards the ‘explore’ bottom never active… useless… Never explains how to shop with it and so how to split payment into 4… Setting up ‘On-Time Card’ is also useless, at first it asked how much I wanted to spend, but then after I did not complete it, it never does it again , only useless saying to go to my favourite shop… terrible! I signed up for FaceID and the third time I wanted to log in it wanted me to verify my email again and sent me to a link… again… Only deserves 0 Star!!!.RobzonVersion: 21.21.181

✓ PuzzlingMany of the stores the app links to -from the home page and the search- do not actually seem to have options to pay with Klarna. Not sure if this is buggy or what but it’s been a bit of a waste of time.Rii_fVersion: 22.35.229

✓ Glitchy and frustratingMy 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..Big W - Big FailVersion: 20.34.136

✓ The app is….ok. Klarna credit card is ….decentI’ve been using this app for a couple years and a lot has changed. I liked the reward points. The split payments was good at first. I use to be able to pay off with my credit card after the first payment. Idk what happened after that. I got the Klarna credit card and i stopped getting rewards, It wouldn’t let me check or create a onetime card anymore because it forces you to use the Klarna credit card. The GOOD thing is that you don’t have to make a initial split payment upfront. With the Klarna credit card, you can swipe it anywhere and your first payment isn’t for another 2weeks. The bad part is if you swipe it 3 different times for $100 each for total of $300 altogether, that’s $75 you have to pay in 2weeks. That’s not that bad, but when you pay that $75, it takes a few days and you can’t pay more than that. Unless you go to each individual purchase and pay. I don’t like it because my balance is $1600 and I have to pay $560 every two weeks and I want to pay it all off in one payment not smaller payments. That’s why I give it 3 stars. It doesn’t report to your credit either. Which is ok.GeezopetezVersion: 23.6.197

✓ DisappointedHonestly 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..Destiny 😋Version: 19.41.44

✓ Doesn’t workNot to sure what I downloaded but if this is the app than it needs a lot of fixing. It does not work at all don’t waste time downloading..AsbodaVersion: 21.20.160

✓ Klarna Button greyed out…😓So like I tried to use this app to buy something off of eBay and guess what? The button stays grey no matter what I do…I tried to put in a new credit card…grey…go to the checkout screen…grey😠 Maybe it’s just an eBay problem…I’ll like try it on Amazon…grey😑!!! Okay, either I’m stupid🙄 or this app is totally broken…it works for sites with the option to check out on the website (that works without any app, so the app does nothing!) but it won’t work for any site that’s suppose to be supported (both eBay and Amazon show up when I type them in)… So maybe it’s because it’s a repurposed US app🧐…or they can’t be bothered to fix a broken app😖…but that button on the bottom of the screen is completely useless! It’s super annoying and you should fix your app😤.Mokou FujiwaraVersion: 22.36.173

✓ Changed…for the worseI see other reviews on here that mirror my experience. I have used Klarna for a little over a year, and was for quite a while very happy with them. However, there has been a fairly consistent decline in performance in recent months. Now it will hardly approve me for anything, despite the fact that it shows me a large amount ($$) available in my spending power. What is the point of having an available spending amount, if you are going to decline purchases that are equal to or less than that amount? Bear in mind that all the while, I have paid down my purchase total substantially, so all indicators should be favorable. The bottom line to me is, I need to be able to rely on the information provided regarding purchasing power, so that I can make reasonable decisions about purchasing in life. If that information is an accurate as it is here, it is no longer useful to me. In my opinion, Sezzle, Zip, and Afterpay are all more reliable and trustworthy products, and none of them will leave you wondering if you can *truly* use your available buying power (clearly displayed in your home page). Save yourself the frustration, time, and embarrassment!.Parker-ParkerVersion: 22.37.228

✓ Do NOT RECOMMEND HORRIBLEI have used Klarna for some time now and it was great I had 13 payments and 9 of them were payed off early so with a good payment history your balance should go up right? WRONG I tried to buy an item using a one time card which I had to cancel because i accidentally hit “continue without adding tax and shipping” so anyway when I went to do it again they asked for a down payment which was way over what they offered at first so I exited out of that and tried again and then I received a error message so after getting that about 3 times I just said forget it all together I go back to my Klarna and it updated to “$0” estimated to spend when I had about “$400” estimated to spend from the beginning keep in mind I bought nothing and had no outstanding purchases I go to talk to customer service and they say that it is “supposed” to update back to my original amount just give it some time which I did 3 days later nothing I contact them again and they say the same thing only this time they say they “since it’s a automated system we do not have enough access to make changes in the app” which is ridiculous it was great until it had a glitch and basically cleared all of your progress this is a horrible app do not install or use they are pathetic!!.Rylab44Version: 21.28.165

✓ Not secure shouldn’t be in the app storeNot had much luck with this app connecting to the stores like it’s meant to bit hit and miss every time you want to order something you have to put your details in on the shop the sometimes it will give you the option to use Klarna sometimes it won’t it’s a great way for everywhere to have your details now for the app there’s not really away to sign in you have to put your email in the click send a link and this is every time you use the app not sure this is very secure They are just offering the same deals the sites are but through them hence costing you more that’s how there making there money so if I was you I wouldn’t bother wasting your time this app is not secure and shouldn’t be in the App Store Response to your response, Ok so you have said you don’t make any money from the transaction then how do you and you wouldn’t exist if you weren’t making money somewhere, but like I said the biggest issue is how insecure it all is, logging on via a link you send to an email address that really needs to be changed that’s the worst form of signing in I can think of. Please I would love a response regarding this..ExplorefotographyVersion: 20.15.76

✓ So easy to get, but can’t get it!!Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!.Itsthe2tsVersion: 19.34.29

✓ Absolutely waste of timePlease don’t trust the good reviews i installed the app tried to purchase something for the first time using this service first error was “you have already reached your daily limit” I logged out logged back in next error “we are sorry we cannot lend as a moneylender due to your credit history” what!!! I have a pretty good credit history and I’ve been using other ones like after pay with no problem. I deleted my card details and re entered and it just won’t add my card “sorry we are having difficulty please try again” just useless. Need to delete my account urgently!.Tahan91Version: 21.3.174

✓ TerribleUsed this app for ONE purchase for sephora, had no issue whatsoever. then i made a second purchase from the same store which i had cancelled 5 mins after my order was processed, they took 22$ out of my account, never got a full refund back and it’s been a month i did contact them and they kept trying to blame it on my bank saying it depends how long they take to process refunds, told me to wait 24hrs 2 weeks ago, never got my refund. i tried making a purchase last friday and now it doesn’t even let me use klarna as payment method, been talking to agents to figure out and all their suggestions are useless since i still can’t use it as payment method. very disappointing app don’t recommend..BaddieA2002Version: 22.23.182

✓ Pointless and a waste of timeCanada goose is one of the options you can use this app with, it even shows it on the app that you can purchase their products. It sets up the amount that you have to pay the four payments in. They told me I needed to make the jacket price less so the payments are less. How does that even make sense? Spoke to customer service and they can’t tell you what the maximum $ is set to for payment. So pointless! Wasted my time! So I don’t know if I’m allowed to spend only $100 in the app or $.50 clearly it should not be partnered up with an expensive brand name if you can’t allow anyone to purchase anything with them..FergskaVersion: 23.8.181

✓ Sounds Good in TheoryI want to start out by saying I’m sure that this app/service might work great for some people either with better credit or otherwise. Anyway, I downloaded this app because I wanted to buy some things for a vacation that was some time away and slowly pay it off. It didn’t matter if I tried a store that didn’t require the “ghost card”or did, the amount of the purchase, etc (anything they said to check or that was considered in the decision). It approved me for nothing. when I inquired about this I was told it was due to my credit history. maybe I am just not understanding the premise but it seems weird to say credit history is a factor but they’re not giving you a credit limit, you get a “purchase power limit” that isn’t guaranteed apparently? It’s very confusing and it seemed very straight forward: “pay things off, interest free in installments” but it has been so much more complicated and frustrating than that for me. it’s especially frustrating to spend all the time putting the cart together just to get denied right at the end when you go to check out. 0/10 experience. I’ve used Afterpay and other services with way less issues with clarity and otherwise. I was disappointed as I was very excited by the premise..IvySC97Version: 22.30.213

✓ 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!!!!!.Temptation_briVersion: 19.45.53

✓ Disappointed beware interest from credit card supplierI feel like I have been mislead with this service. Was happy with my first purchase but the second suggested I use my credit card which I thought nothing of why signing up in a store. But few weeks later I get an interest bill on my credit card statement. This is because the payment was treated as a cash advance by my credit card supplier. This was not made clear by Klarna at point of signing up for the agreement. Even the small print does not state this is a very likely scenario to occur. They give you no option to change your payment to a bank account after taking out the purchase plan. Very frustrated and will be paying indirect interest for the rest of this supposed interest free service. Make sure you check the small print and do NOT use a credit card to make your payments..PjmowbsVersion: 19.20.8

✓ First try and last tryRefusing a 300$ purchase to someone with a good credit score and bank history is stupid.Lili A.Version: 22.49.221

✓ What’s the point of this app?It doesn’t seem to have any function. You can’t purchase anything or set up a payment plan. Kind of pointless..RabbitrabbitzVersion: 21.18.145

✓ Annoying Purchase CapI have a perfect payment record and have the maximum $2000 limit (unused), however purchases are capped at $1000 per item. If an item like an Apple Watch is $1010, I am unable to use Klarna for payment, yet I can make two different $1000 purchases, WHY? Also tried contacting Support, there is none. Update After Developer Response. As I said, I can and have purchased 2 separate orders, at the same time, totalling just under $2000, but I can’t buy an Apple Watch worth $1069 when I have the full $2000 balance as Klarna has a purchase cap of $1000 regardless of approved limit..RugbyFan05Version: 21.49.222

✓ Wouldn’t RecommendSomething that isn’t said when downloading the app is that you must have a GOOD credit score to use Klarna. I’m 18 and always pay by debit card and have never had any outstanding transactions and decided to use Klarna to purchase some dresses for an event coming up but was torn between each one however my transaction was automatically rejected due to my ‘credit score’ and I know friends have had similar situations with this app. I understand that there is a policy but it should be advertised more as the age limit for the app is 18+ however you’re extremely unlikely to have a good credit score at 18 and in my circumstances I’ve always paid off all my transactions when purchasing so I’m quite confused why I’ve been rejected. Needless to say I wouldn’t recommend and customer service is extremely difficult to get hold of..JsjdidjskskVersion: 22.17.239

✓ App sign inKeeps logging out and losing settings to log in or face and or pin. Goes back to sign I using email constantly..TintinbigglesVersion: 22.44.254

✓ App does not workI’ve downloaded and deleted the app 4 times today because even though I previously had it on my phone signed in and working when I went to get into the app yesterday it asked me to log in again but before I even got the chance it had a screen pop up telling me to choose my country, but upon trying over and over again to select a country the app wouldn’t respond at all to me touching my country or any other country that was listed either fo again I’ve deleted and reinstalled the app again due to not being able to log in.Whyanother1Version: 21.19.146

✓ SO STUPID!If I could give zero stars I would. I’ve only used this once before and it worked fine so I thought I’d give it another go and get my Asda shopping through klarna. I normally use zilch but I can’t keep up to the payments being every 2 weeks so I thought with klarna being every 30 days it would make it a lot easier for me. NOPE! I tried to get my Asda shopping and they’ve taken the first payment which was over £30 which was the last of my money off me and didn’t give me the one time card to put my order through. I’ve contacted customer service and they’ve said it takes 7 days to get refunded when the order doesn’t go through. That shopping had all my baby’s nappies, food, baby wipes, snacks that I now don’t have the money to buy because they’ve taken it without letting me order. I’m now going to have to starve myself so I can buy my daughter the things she needs until I get the money back from klarna in a week! DO NOT USE THIS APP UNLESS YOUR RICK ENOUGH TO LOOSE MONEY FOR A WEEK.Katie woooooooooooVersion: 22.10.247

✓ Never got my purchase.I found a mattress topper and selected the size and everything and when I tried to pay (for some reason) I was sent to pay thru Klarna instead of the site I tried to buy it from. It was ok as the order and name of the store was there. I got the confirmation email, but I didn’t get a date I should expect the product, and I got the app to track my order. After 3 days I didn’t get any updates about my order as it was still processing (the app asked to get regular access to my email account and use my personal data that this involves). I didn’t want it to get more access to any of my information, so I couldn’t see where my product was. The app already has a lot of my personal info. I got to chat with someone on the chat and she said to contact the store. I PAYED THRU KLARNA, NOT THE OTHER STORE. Now I don’t have a topper nor the £129 .. thank you Klarna !!! I hope I will get the money back 🤞🏻🤞🏻🤞🏻. Update: the payment didn’t go thru so I went on chat to ask for my info to be removed and account closed. I just got and email saying they will keep my information as I didn’t pay in full for my order😡😡 this is the biggest scam ever!! Stay away from this app!!! It’s nothing but trouble !!!.Didn’t get money yetVersion: 23.11.197

✓ UnsatisfactoryI downloaded this app to use as an alternative because others apps like Afterpay and zip pay where not working for me personal. To my surprise klarna had a lot of the stores and websites I Like to shop on and was hassle free..until I wanted to check out with the klarna one time card. It would continuously say “couldn’t verify personal information” and it became annoying. I chatted with customer service 3 times total for the same issue. First time I was told that it had to be because my information wasn’t the same as my billing address and I was upset because it shouldn’t matter. But I changed it to being the same, and to no prevail it still didn’t work. So then the second time I chatted with customer service they said to wait a few days before I try to make a purchase because klarna could’ve mistake my attempts as being used and thinks I’ve reached my spending limit. I waited for a few days and still the same issue!! I talked once more to the third representative and it was very sketchy, I told them the same thing as I did twice before and this time they had asked me to verify my information and asked me who do I bank with and a bunch of other questions of which did not make sense to be asked. Overall I’m very unsatisfied with the contact I’ve received and the app itself..Nova AlloreVersion: 22.6.198

✓ Automated decisions don’t make senseLong story short, I’ve been using Klarna on and off for a while. It will give me a spending limit and then take it away. And then give me a spending limit and then take it away again. This time in particular I placed an order for around $35. When I got the items I didn’t really care for one of them so I refunded it by returning it. And I had already paid off whatever was left of my order so it was closed after I returned the item. Well, wouldn’t you know it, suddenly my spending power is gone. I reach out to customer service and they can explain why my spending power went down when I wasn’t late on my payments or anything like that. They told me it was an automated decision, and basically just apologize for any confusion or frustration. I’ve literally never had this issue with any of the other companies that I’ve used. And quite frankly, I’m tired of getting the same issues with Klarna over and over again. There was one time when they told me to increase my spending limit, I should place a low purchase order and pay that off on time. But how am I supposed to place an order with no spending limit? Couldn’t answer that question either. This is getting old. UPDATE: they responded to my review but still did not explain how my spending power COMPLETELY DECLINED just because I returned an order. All they do is talk in circles. Just use after pay, quad pay or Sezzle. I never have these issues with them..Lunar himeVersion: 23.17.170

✓ Won’t workWon’t let me use it at all. it says “Unfortunately your purchase can not be accepted at this moment. Please choose a different payment method to complete your purchase.”.Mylee ysabelleVersion: 23.5.189

✓ 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..Bob robertsonVersion: 20.47.220

✓ Credit is unreliable and inconsistentMost people are not actually given a credit limit. I spoke with customer services and with each credit purchase an ‘algorithm’ chooses whether or not you can make the purchase. This sounds okay but I found it to be inconveniently inconsistent. They claim at first your limit will be lower until you make some repayments, I’m assuming to gain trust. So I did this, I completely paid of all outstanding balances early assuming this would reset my limit and possible give me a higher limit. I then went to make a repeat purchase from the same vendor as before within a few £ of previous credit purchases and they we’re denied. As most people use credit spending in emergency’s having a service you don’t know you’ll be able to actually get at the point of use leaves me having to rate this very low. If they didn’t have a nice easy to use UI I would of rated it 1 star..BiglousgotbarsVersion: 22.49.221

✓ Featured NikeWhat a joke i downloaded the APP and saw nike feature went to the website followed all steps but at check out it will your CC and no other options that says USE KLARNA OR WHATEVER 😂😂😂.JPRECRVersion: 22.10.247

✓ A good app but needs improvingThis app is ideal for me with a limited income, I love the pay later option and pay in 3 instalments especially at Christmas and birthdays. Things that need improving on the app are having a back option so you can actually return to your search choices instead of going back to the main menu everytime you click on something to look at. I have tried with the log in so I have the back buttons in the email but this stops me from accessing all the shops, Superdry being one of them, this is accessed on the app but not when I sign in from my email. This is very frustrating and I haven’t time to keep clicking on search over 4000 shops everytime I want to look at something. That is my reason for only giving 3 stars..MammyJayVersion: 19.45.53

✓ Lack of information until after paymentI downloaded the app about 40 minutes ago. I heard about how you can break down payments etc so I thought I would give it a go. I purchased an item from the COS site, the payment however was taken in full. I messaged Klarna and long story short the option for instalments should have shown (it didn’t) and then I was informed that I might not have been eligible for instalments. This was in no why made Clear that not being eligible was a possibility before making any payments, also this could be very dangerous and cause massive problems for customers on a budget etc. I asked customer services on klarna why this is and they said that there are too many factors to give a clear answer. Needless to say this is my first and last time using klarna as I might as well just pay for my items directly. Very disappointed..O'Shea93Version: 19.34.29

✓ Hate it . And angryI just try to use .. because I just get the email say “ have $50 off for 4th instalment” . I already have Afterpay, and very happy to use it .. I will try to use “Klarna” because I want buy some item from apple store . And they not work with Afterpay, and it’s all the nightmare start it .. The app started ask all my details.. come on .. you already link to my commBank account. What’s else you need to know ? And first order .. you just can use under $1,000 ? Ok .. so I done everything.. and try to Pay it and make the 1 time use card . I can’t believe… they check my credit. And say I not allowed you to use it .. and decline me . I just double checked it on google, they say “ The credit check will not impact your credit score but will be visible to other lenders on your credit report” Why ?? If apple store work with Afterpay.. I will never use this app .. and now .. it’s cost my credit report .. I already deleted this useless app, but where I can delete my account?? I will delete it … and never use again .. Just use my Afterpay...It's amazing khVersion: 21.38.173

✓ Need improvement on app toolsI’m very happy with Klarna in general and I love the flexibility and the facilities, however the app structure is very basic. I would like to see more tools and specially for the orders that I have paid already to Not reflect on my profile every time I log on it’s so confusing. The previous orders should be kept in another tool and be called “purchase history” . It’s annoying sometimes to logging and see my orders from previous months and confusing me thinking they are for this month. Also for orders that need to be paid need to be kept in “active orders” tool for example so I know that they are pending and need to be paid. I hope this comment help with the App improvement. Thank you.SabrinaPH16Version: 20.18.128

✓ Miss leading. Not trustworthy.First encouraged to jump on the platform by getting 30 dollars discount for purchase over 100 bucks, when did all registration process and tried to buy online the transaction get declined for many times. Get in touch in business hours next day & I’ve been told can’t buy anything over 100$ becoz new user and that’s why! Complete joke and waste of time. Kinda insulting can’t use my own account through them. Miss leading marketing. Not trusting in you when you trust them!.K66666666666Version: 22.9.223

✓ Use at your own risk, don’t expect help from themHonestly hands down worst experience ever. I’ve used the app before and thought it was okay, but that was until I experienced an issue trying to order a refrigerator from Home Depot and Whirlpool never received my order so they never shipped it. I’ve been without a fridge for over a month at this point. My issue with Klarna came into play with their terrible customer service. Their only solution is that I had to get in contact with the merchant (which I already did) to have a refund placed for me ( which HD was struggling to do for the last 3 weeks) and instead of Klarna being helpful or understanding to my money being tied up in a refrigerator order never recieved that should of been an easy refund, Klarna exact words are “I can stop the payments until you reach out to the merchant. Us stopping the payment will give you the chance to resolve with them before we continue to process your payments. But we do not reach out to the vendors for anything at all, it’ll go in their queue and if they don’t respond we’ll resume your payments”. All in all telling me I pretty much just have to take it if Home Depot doesn’t see the message Klarna sends to their queue . Absolute worst customer service hands down. And the automated machine TRIES to not allow you through to a representative every way possible. Absolutely horrible. AND I’m still waiting on a refund weeks later !!.Vic1112233444566Version: 22.15.282

✓ 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!.DoubleR__Version: 20.20.165

✓ Payment problemsHello 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..Abdullah JawaidVersion: 20.43.175

✓ Pure TrashApp not working, not finding any stores. instead of spending money on collabs they should invest on app structure. Also, only Klarna’s system put 2 pending holds to card…so be aware!!!! fishy scammer behaviour… paybright rocks.CYalcinnVersion: 21.26.147

✓ KlarnaI bought something at coach just now sign up for this app for 4 easy payments it didn’t go through instead charged my card for a full purchase 😐.Wre you kidding meVersion: 22.5.200

✓ Wow. Couldn’t be less impressedTried to buy something one of a kind from Etsy for my daughter’s bday & almost lost it while fighting with this ridiculous app. Just a runaround making me re-enter all my info multiple times. I msgd the seller to let her know she should get rid of this. Sent her screenshots. Now I have to wipe out my bank account because I can’t pay in 4 payments with Klarna. It keeps saying I’m over my spending limit and I have to make a payment to them. I’ve NEVER used it before..Wretched EleganceVersion: 22.41.203

✓ Ugh what a hassleWhat a hassle, I contacted support mutiple times never really got my question answered, app keeps saying I have overdue payments when I never purchased anything, it’s like a constant headache I was super excited to use this app, but not worth the time.Ntupy12Version: 22.33.206

✓ Avoid at all costsIf this review helps the people who are about to or thinking about using klarna then I have done my job. Klarna have taken 3x payments out of my bank for one purchase. I’ve not received nothing back at all customer service is a joke it’s been over 3weeks now and still they are dragging there feet. I’ve now raised the disputes with my bank who hopefully will get my money back for me. The customer service team are rude and useless and clearly do not take notes from previous conversation’s with them. If I could give no stars then I would. Please please if buy the goods with cash not credit and if you can’t then don’t use these robbing waste of spaces. AVOID!!! At all costs!!! Klarna don’t contact me regarding this review either as you have had ample time to resolve this issue I want everyone to see what a robbing pile of s*+t!! You are..Avfcl33Version: 21.49.222

✓ DisappointedI loved Klarna’s flexibility the freedom to borrow till your next pay day worked super, however this isn’t the case. After clearing all borrowed, my borrowing power never increased at all. Still till this day I have cleared the lot and nothing is available. Contacted customer support advised everyone’s been decreased and to wait 72Hrs, none of which makes sense to me personally. I strongly believe people should be judged on there repaying history with a company not a credit score you haven’t got if you’ve never had credit in the first place. Meaning if I’ve never had credit with anyone before how would I have a good credit-score if there’s no record of my history in the beginning. I was hoping my time being a customer with Klarna they’d have reviewed my history and reported accordingly to the credit agency’s but nothings been documented. It feels as tho after being a loyal customer in reward I’ve been f*Over at the most important time of the year. I’m not an anger person nor do I hold any grudges towards Klarna as they did work in my favour however a bit of positive feedback of what kind of customer I was to my credit reference agency would have been much appreciated.𝐸𝓈𝓉 𝓉𝒽𝑒 𝒷𝑒𝓈𝓉 🥰Version: 22.44.254

✓ Terrible Customer ServiceHaven’t even been able to place an order as I’m constantly told there is an error with my address. I’ve stayed in the same place for 8 years, I’m a registered voter and I make regular payments with Clearpay, Openpay, Laybuy and other related companies. Contacted customer service for advice on what I can do, received the same generic copy and pasted responses not related to my query. Constantly asked if I’m registered on electoral roll which I told them I am. Waiting 10-15 mins for the agent to find the associated copy and pasted answer. I was then told to contact TransUnion who conduct the credit checks when I haven’t even got to that stage yet. They have no clue what to advise. Judging by the other reviews it’s probably for the best if money is being taken from peoples accounts. Will stick to the other companies I use which I’ve had no problems with!.CS2983Version: 20.21.177

✓ Klarna stole my money !!I originally started using Klarna about a year and a half ago, I enjoyed making small purchases and paying them off in 4 installments with each pay period. I paid on time NEVER missed a payment ! My credit line was increased and I made the mistake of making two larger purchases that I later needed to return. I was sure to follow the instructions on returns carefully, unfortunately due to a glitch in Klarna's System with certain retailers i.e. Macy's the return was credited to the wrong account another purchase that I made and not applied to the Macy's order. I have sent them the return receipt along with the original receipt and no one in Klarna's back office has been able to resolve and close out this issue! I have not received a refund for the initial two payments that I made, Macy's has received The return goods and Klarna is still showing that I owe them almost $900. this issue has been escalated five times, I receive computer generated messages every two weeks asking for the same information that I have now sent six times. even the phone representatives have tried to help me - they xhale sent clear emails detailing what has happened and no one can seem to resolve this. I have used other apps and made returns seamlessly with Afterpay and Zip and I have never experienced such dysfunction. It is 6 months later and the order is still paused and no credits have been issued !! I regret EVER using this app !!.Kay_lb101Version: 22.49.221

✓ Don’t use this it’s a scam 😡😡🤬🤬🤬I have had this app for a few months always had trouble with it it keep saying we can’t approve of this and that and whenever it did work I always payed on time not once missed any payments and suddenly today they kicked me off the app and wouldn’t let me sign back in this is the worst app ever and when u email those people that r in charge of klarna they never get back to u and when they do respond they are useless they just keep saying turn my phone of and on but nothing happens because it got nothing to do with my phone it’s your stupid app that is stuffed never using it again and I recently purchased an item costing 700 bucks and I received it but still owe 630 bucks well good luck getting that money cuz I ain’t paying for it.User22022022😃Version: 22.22.141

✓ Worst instalment pay appI was with CBA and this was recommended by the bank when it was launched initially. Tried, and failed. Created a ghost card only was told after that ghost card can’t be used to pay bill. So okay never mind, new app so it’s understandable. Then after a year I moved to ANZ and this app kept updating, so I thought let me try it again. Tried to create a $700 ghost card, used ANZ card, failed, then tried 28 degrees, it just simply told me I can’t create ghost, choose another payment method. Plenty of credit on my 28 degrees. I ended up paying with my credit card directly. Not want to feel defeated I contacted the customer service through the app. Couldn’t generate a new chat unless I choose a transaction which I obviously haven’t had a transaction. Anyway I luckily didn’t delete the last chat a year ago under the previous ghost card incident. So managed to get to someone, only was told the same prescriptive answer, oh sorry we try to be responsible lender and each transaction is assessed on its own merit those kind of useless bluff. If you has a lending criteria, be transparent to your customer. Putting up a responsible lender face without substantiation only damages your brand..XavierxfVersion: 21.17.184

✓ App doesn’t even workThere is no option to even pay with klarna app is so useless!.FatenshaabanVersion: 21.9.147

✓ App is unreliable but Klarna itself is greatNo issues with Klarna as a concept, makes budgeting for bigger items easier and works well with so many website. I do have issues with the app though. It periodically crashes and fails when trying to make payments resulting in me having to use the desktop site. Usually have to uninstall and reinstall app but this time it’s not worked which is annoying. Also they’ve update the app recently so it’s a lot more clunky and too much visually on the page, you have to search for your payments a bit. Also your most recent purchases are at the top, so I mistakenly paid off recent purchases instead of historic ones which again was annoying. I I’d been used to the purchase that needed paying soonest being at the top which made sense as it needed attention first. So Klarna is great but the app needs better maintenance..ToolyfantasticoVersion: 23.16.179

✓ Very unfriendly App to useIt 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..Blue1778Version: 20.42.201

✓ Suddenly unable to pay using KlarnaI have used Klarna successfully for purchases ranging from £20-£200 from various outlets online for the past two years. I never had any issues, was never late in paying - in fact I was ALWAYS paying earlier than the date specified. I went to place in order online as usual and opted to pay using Klarna when a message popped up saying ‘due to my credit history I was unable to proceed with paying via Klarna’. I thought this must be a mistake.. my credit history is fine, I haven’t recently taken out any new credit or recently got any sudden bad credit… nothing had changed, yet Klarna have suddenly decided I am No longer eligible to shop and pay with them anymore. I’ve tried multiple times presuming it’s just a blip on their part to no avail! Really disappointed… won’t be recommending Klarna anymore to friends/family. Never had any issues like this with other buy now pay later companies..literally changed their mind about me overnight!.Kat101180Version: 22.8.259

✓ CoolCool.Aceking19Version: 22.10.247

✓ Purchasing power was decreased & keep getting declined on 1x cardsI have been using Klarna since 2019, and as of this year my purchasing power was anywhere between $2k-$3k. I paid off my last order last month and had no problems but have not used it since I am on a budget right now. I’m assuming this is when things started to go downhill with the app. I have tried to see how much purchasing power I have, only to not find it anywhere. Thinking I can make a one time card, I got declined automatically. I updated the app and saw my purchasing power was $450 now. I had tried to make another one time card of $61 but everytime I tried to submit the first/initial payment, the app would just reload the same page which made me submit it multiple times (luckily I didn’t get charged). That happened when I used Apple Pay so I entered my card info manually only for it to say they could not accept the payment method at the moment. I tried another card, same thing. It was the same on the app and website. Basically useless to me now, unsure why they’re trying to sabotage their clients and hide behind the lie of saying they shouldn’t allow people to have that much purchasing power when in reality, they lost over billions of dollar in estimated value since last year ($45b in 2021, now $6b in 2022). They’re probably going under.Korina cejudoVersion: 22.26.177

✓ Poor communication and odd approval ratesHaving been approved to spend a substantial amount and paying it all within 24hrs, so very early on payments, I then went to make another purchase of less value and was declined funds, to which I then reached out and asked why, when I’d paid off such a substantial amount so early. They responded saying their “specialist team” would look into this and get back to me within 1-2 business days… 2 weeks later, nothing. Very average app and service. After pay is the go!.ZmndhsVersion: 22.22.141

✓ Complete rubbishI’ve had nothing but trouble when making payments all my details are store and are correct yet payments will not go through this has been going one for almost a year and the customer service is terrible literally not worth having as nothing ever changes, they basically blame you and your phone or the app needs updating, they treat you and speak to you as if your thick when the stupid people are them for not actually listening to what you say.. last time I was given bank details to do a bank transfer which defeats the point of having the app - I paid via bank transfer because they refused to listen and rectify the problem yet again, payment was sent 2 weeks later I’m told the bill wasn’t paid This company is a complete disgrace.Ok idiotsVersion: 23.6.197

✓ 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..The App Store Annoys MeVersion: 19.41.44

✓ Charged before processingI was happy to get approved for the installments and have tried another app called Affirm with no issues. I wanted to get an idea of what I would be paying and thought to go through with it. I ended up backing out of the offer from Klarna to try again when I got paid. I never checked out on the order with the Merchant. Again I’m used to Affirm where they don’t process the installments until you check out. I got a notification on my bank of suspicious activity and when I checked my account I saw that Klarna had charged me the first payment. I reached their customer service to ask if there was a way the order could be processed through the merchant since I had gotten charged anyway. They said they couldn’t and that I would be refunded, no biggie to me. I liked the customer service so far for informing me. I know they can’t make the world turn for me so I’m ok with getting back what was charged. What I don’t like is that Klarna charged me the first installment without me even checking out on the order. That’s the only issue I have and advise they get that updated for people like me that can be indecisive shoppers at times. Not even that it could be an issue where our battery dies or the page refreshes or we set down our phone for a bit and it times out. I’d really like to see the Klarna developers make that update happen to keep up with mishaps..Money Dee Mo DiVersion: 21.50.245

✓ Easily the worst performing app I have usedI’ve had no success with this app or it’s customer service. App constantly won’t login/errors appear. I tried about 10 websites (without any successful help or suggestions from customer service except for making my delivery address the same and my billing address... which I do not want and no other website would make you do this...)and couldn’t process a purchase. My credit rating is fine and now I’m super concerned how this will effect it since I keep getting declined for things. Have made one purchase which next day told me the payment was due, but I can’t get the app working well enough to open or view my purchase properly and app errors and closes when I try to do so. Will be returning the item immediately when I get it and ensuring Klarna doesn’t take a penny of my money and I’ll be deleting the app. Other reviews indicate this isn’t an uncommon experience..TashckdVersion: 20.5.85

✓ System getting crazyI 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..Pvz 2 ChallengerVersion: 20.12.37

✓ The worst appI’ve tried using Afterpay and Affirm and they worked wonderfully but Klarna on the on the other hand,is the worst app I’ve ever used. The payment was not approved and, mind you, it was my first ever purchase with them. When you try to contact the chat support to help you to solve this, they tell you that the decision is final and you’ll receive an email in 25 days about it!!! What the heck is this? I decide to close my account and let y’all know please don’t even waste your time. I recommend using Afterpay, Affirm, PayBright. Klarna is a waste of time and space..Harako_1reVersion: 22.44.254

✓ 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..Otter and feshVersion: 20.47.220

✓ This app used to be my favWhen 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 😭😭😭😭.LéShea14Version: 20.3.28

✓ Crap appAt first I thought I was pretty happy with the app until I went to go use it to make my payments and it wouldn’t let me and then it completely erased itself from the payment option. Tried to use the 24/7 help but then it said it’s closed. Erased the app and I never hope to see it again..Nikita@Section1Version: 21.24.180

✓ Good to start but gone off the deep endI liked Klarna a lot at first, but then they changed their policies to be more on the side of merchants than customers. I bought something online from an independent seller than never arrived. I reached out to the seller for a refund and they refused despite my showing proof that it never arrived. At first, Klarna took my side and cancelled the order. Then a few months later, they tried to charge me again, so I reached out and they weren’t able to give back the money taken, but they did put a stop on the payments. Just today, I got a notification saying that I would be charged for this item once again. This time Klarna refuses to stop or cancel the payment and said it was due to a new policy. On top of that, one of their reps told me to just go to my bank and have them stop payments to Klarna. When I explained that this would cause my bank to stop ALL payments, even the legitimate ones, the rep basically said “oh well” and told me to do it anyway. So I guess Klarna would rather have people go behind their back to prevent banks from accepting their payments than taking responsibility and just cancelling the order. Bad business practice, bad customer service, and an all around stupid AF company. So go ahead everyone, just use Klarna and then stop payment with your bank because they clearly don’t care about running an honest business. Use QUADPAY instead..SassypantalonesVersion: 20.30.103

✓ Useless app - The Shopping tab has disappeared!Downloaded this yesterday. I was happy to look for the healthy & beauty merchant It works!. The Shopping tab has disappeared from the UK version of the app!! The UK version of the website still has it, but the merchant doesn’t show up when typing it on the search bar. I contacted customer service through the chat, and the only topic to choose is previous purchases. I was told that the fact the Shopping tab is not appearing on the UK version of the app is because they are under maintenance, and to check back tomorrow. Awful. *Update* To Bruce the developer who gave me a response below saying I can still use the Klarna website to look for the merchant I need to buy from. No, that’s not true. The Shopping tab is still on the website so there is a search bar where you can introduce the merchant’s name. But nothing comes up, being an international company! However, the merchant does appear on the US version of the website and app!.Andrea_msVersion: 20.15.76

✓ Nothing SmoothFrom 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.Best Service everVersion: 20.4.64

✓ Possibly one of the worst services of its kind.When applying for Klarna I was given a set amount. I have been a good customer and always made payments early, however my limit decreased significantly over time despite this. I contacted customer service and they blamed it on a system update but the issue has been happening for months so this is quite simply a lie. I’ve seen all over the internet that other people have had the same issues, it just doesn’t seem like klarna is very fair to their customers at all. Definitely go with Afterpay or zip pay..Jj29199Version: 21.49.222

✓ Good Credit, DeniedEven if you have a credit score of over or equal to 700, this company will not approve of any of your purchases..RaimskieVersion: 22.49.221

✓ Used to be a really great appOne of the best features of the Klarna app used to be the bookmark function and notifications when saved items were on sale. This feature no longer works and there are constant changes to the app layout - large thumbnails, tiny thumbnails, grid, list, lots of broken images. The app screen design regularly changes so drastically and I have to find where basic functions have moved. I now only use the app for interest free payments..App-is-terribleVersion: 22.49.221

✓ Great until a policy change to limit to 10 transactionsKlarna was great and mostly easy to use, plus the rewards are a bonus. Started back in September last year and built up credit by paying in advance, even paid everything out completely once. Loved using it for almost any store, but then this week I couldn’t make any more purchases as they have limited the number of active transactions you can have to 10 only. I didn’t receive as policy update notification, and the pop up when I tried to make the card only told me that I didn’t have enough purchase power. I understand that Klarna has the power to refuse transactions, and they have a ‘duty to their customers’, but some warning would have been nice..MimtheSaurusVersion: 22.13.253

✓ Great For A BitLet me just say that I used to LOVE Klarna. Just like some of the comments on here are similar to this so heed the warnings. At first it’s all great. I always payed either on time or before. I did not once have a late payment or even pushed back a payment by any means. However, they approved me to spend a certain amount, and over time, that amount changed (sometimes day after day) dramatically. We’re talking 1,800 to 200 to 600 to 200 etc. When you read their reasons, it says it’s based on payment history and outstanding balances. However, I can tell you from experience that is not the case. It’s always a surprise and I got tired of it. AfterPay is a lot more stable and I have never had an issue like this with them. It’s embarrassing to get a declined payment and have to switch to a regular credit or debit card. I honestly really liked the service at first and dividing payments into 4 made purchases much more palatable. However, I got tired of the inconsistency and when talking to customer service the response I got was: “it’s an automated system that NO ONE can override.” I was using Klarna primarily and AfterPay at places where Klarna wasn’t accepted. However, they did it again and when reaching out got the same copy-pasted response. So I’m closing my account and asking them to send me in writing that they will respect my wishes not to sell any of my information. AfterPay from now on I guess..MlprkrVersion: 22.31.192

✓ 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..Raul IuteVersion: 20.14.56

✓ Awful customer serviceI downloaded the app as it was recommended to me by a company that I wanted to use. Set up was quick and easy and I was ready to place my order, or so I thought! I immediately encountered problems. The app couldn’t verify my details. I tried a couple of times. I even double checked and put a space in my postcode so it matched my bank record. I got an email from the company to say they had received my order but payment was pending. I told them what happened and they said it was common with Klarna and advised me to get in touch with them. I contacted my bank who confirmed they had received no pending payment from Klarna or the company. I tried to get in contact with Klarna but it seems there is no option to do that unless you have made a purchase. I hadn’t. I checked the help section and nothing. I don’t really know what else to do but as far as this app is concerned, it’s unfit for purpose and pointless trying, it seems like they won’t help you unless you’ve spent money through them and looking through some of these reviews, you might still get stuck when you do!.Pink_wolf_laikaVersion: 21.18.145

✓ 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..Rhiannon S.Version: 19.42.42

✓ Once was a happy customer - now couldn’t be more unhappyWhere do I begin… multiple complaints.. 1. Purchase Power - randomly drops off - no notification of this happening stating it is “temporary” - 2 weeks later with no communications on when will be restored when contacting customer service - after 2 weeks it’s not temporary anymore. 2. No matter how much you contact customer service your query is not answered. Same generic responses not resolving a thing. 3. Rest assured you can still make purchases while purchase power isn’t visible - Lies. I have a great history making many large purchases also.. my limit was around the $2k mark now I can’t even make a $150 purchase when I even made additional payments to reduce balance when should have still had $1000+ available. Absolutely disgusted with this service now - couldn’t recommend against any more if I tried..Mooreshorty18Version: 22.19.232

✓ Highly disappointingTried to make an account and in the process apparently my phone number I use that works perfectly fine for everything else isn’t able to work on Klarna. “To use Klarna, please use a mobile phone number m. VoIP numbers are not supported.” Not sure what that means but very displeased It couldnt sign up.ChanceW59Version: 23.23.206

✓ Was an awesome app in the pastI really enjoyed Klarna i have been using it for years and have done thousands of dollars with of business through them. I had a $1500 l purchasing power roughly. And was working to get it higher. Today, I had a frustrating change on the platform. I was making a purchase on the app and it asked to connect to my bank which it has never done. So I hit the back button on the app to see why. The app then crashed and kicked me out and said I was not approved. I went ahead and did it once more and was approved even thought I was not comfortable with adding my banking information. Come to find out my long time built purchasing power had gone to 0 in seconds. After chatting with customer service they said that the first purchase attempt that was incomplete counted as a decline which brought my purchasing power to 0 and they can not do anything about it since it is now automated. This is unfair and feels like all my purchasing power built over various was reset to 0 over an error beyond my control. I was told that they are unable to correct this even though I have never had an issue with repayment and have been or problems on the app. Sadly if issues like this are not fixed causing all purchasing power progress to be reset, I will just take my business to other platforms like Afterpay, Zelle, zip, PayPal and Affirm, or better yet, the Apple version of pay in form coming out soon..RepentandbelieveVersion: 22.49.221

✓ Horrible horrible appI 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 ..NahallaVersion: 20.12.37

✓ Don’t do itThis app = crap. First time I tried using it last year, all it did was lag forever until multiple items in my cart sold out. Never ended up working. Tried again just now, had to try multiple times just to not be approved for zero reason. Their customer support is not helpful. Don’t waste your time-_- use any other alternative like Afterpay or Sezzle etc, or pay in full..Kbh.kbhVersion: 23.7.176

✓ Waste of time and effort, customer service not helpful and app is glitchyHorrible experience. My debit card I had linked to my purchase was stolen and I had to wait for another to be sent. In the mean time I linked my bank account so my Klarna payment still could be taken from my account- but with out disclosing this when I added by bank account, bank accounts can not be used to make payments, only to pay off accounts in full- so I was charged a late fee. I spent an entire week trying to get this late fee removed by customer service spending 30 minutes a day for 4 days on chat asking for help removing the late fee. Each customer service rep said the late fee was actually removed and by a glitch I still saw it on my account. I was told countless times it was a glitch and would not actually charge me, then I was charged the late fee after hours of work trying to prevent it to happen. I am still waiting for my late fee to be returned to be and my case was closed and “sent to management” now what. Apparently they will email me on Monday but after what I have experienced, I am holding my breath. Lots of work for getting my $7 back. This experience was not worth the service Klarna provided and I suggest that others do not use Klarna in risk this same thing happens to them. What a waste of my valuable time and energy..Customer leaving reviewVersion: 21.7.136

✓ Can’t add multiples of the same item to your lists!The Klarna app itself is awful to use. I need to organize multiple orders because I’m ordering for multiple people, but they do not allow you to add multiples of the same item to a single collection/list. Absolutely useless..Kthy.ktVersion: 21.42.173

Klarna | Shop now. Pay later. works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Klarna | Shop now. Pay later..