About This App
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Category
Shopping
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Installs
10,000,000+
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Content Rating
Rated for 3+
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Developer Email
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Privacy Policy
https://www.klarna.com/international/privacy-policy/
Screenshots
Editor Reviews
Klarna is a shopping and payments app designed to help you buy now and pay later with flexibility. Launched in 2005, it's available on both Google Play and the App Store, with over 100 million downloads globally. The app is free to download and install, and you don't need to register for a full bank account to start using it. Signing up is quick and just requires some basic details. Once you're in, you can shop at thousands of online stores. Klarna makes the payment process smooth by offering options like paying in 4 interest-free installments, paying 30 days later, or financing larger purchases. While the core app is free, it does have in-app purchases for certain premium features or express services, and you might see some ads or sponsored store listings within the app, but they're generally not intrusive.
Using the Klarna app is straightforward. I mainly use it to browse deals and shop online. You can search for a store directly in the app or use the Klarna browser to shop at any website; at checkout, just select Klarna as your payment method. A simple tip from a regular user: always check the "Pay in 4" option at partner stores—it splits your total into four smaller, bi-weekly payments with zero interest, which is great for budgeting. You can also create virtual one-time cards for extra security when shopping at new sites. The app sends clear reminders before each payment is due, so you never get surprised by a charge. I find it much easier than entering my card details everywhere.
Compared to other buy now, pay later apps like Afterpay or Affirm, I keep coming back to Klarna. The main reason is its wider acceptance; I see it at way more of my favorite online stores. While other apps work similarly, Klarna's app feels more like a complete shopping hub. It has price drop alerts, a wishlist feature, and even lets you track your orders from different retailers in one place. Some apps feel like just a payment tool, but Klarna tries to enhance the whole shopping experience. For someone who shops online frequently, having all this in one download makes life simpler. It's become my go-to app before any online purchase.
Features
- 🛒 Flexible Payment Options: The core function is offering "Pay in 4" (interest-free installments), "Pay in 30 days," and financing plans. This directly rivals services like Afterpay, but Klarna often provides higher spending limits and is accepted at a broader range of stores, from small boutiques to major retailers.
- 🔍 Universal Shopping & Price Alerts: Unlike some competitors that only work at partnered stores, Klarna's in-app browser lets you use its payment methods on almost any website. It also has a powerful price tracking feature that alerts you when items drop in cost, which isn't a standard offering in most similar finance apps.
- 📦 All-in-One Purchase Tracker: It consolidates tracking for all your Klarna purchases across different retailers in one feed. Compared to managing separate store emails and accounts, this centralized log is a huge time-saver and a standout organizational tool you don't always get elsewhere.
- 💳 Virtual Cards for Security: You can generate disposable card numbers for online purchases. This adds an extra layer of security compared to using your real card number everywhere, a feature that sets it apart from many other payment apps focused solely on the installment aspect.
Pros
- ✅ Incredibly Smooth Checkout: At supported stores, the one-click Klarna option is faster than entering card details. Compared to other pay-later apps, its integration often feels the most seamless.
- ✅ Excellent App Organization: All your payments, tracked orders, and saved stores are in one clean interface. It's more intuitive than some competitor apps that can feel cluttered.
- ✅ Great for Budgeting: The "Pay in 4" plan makes larger purchases feel manageable without interest, which is a clearer and more straightforward offer than some financing plans from other services.
Cons
- ⚠️ Can Encourage Impulse Spending: The ease of "buy now, pay later" might lead to overspending more easily than with traditional cards or apps like standard banking apps that don't promote deferred payments.
- ⚠️ Occasional Approval Hiccups: While usually smooth, the instant credit check can sometimes decline or offer lower limits unexpectedly, which can be a frustrating point compared to more predictable pre-set limits in some other systems.