Klarna Reviews 413,984

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Consumers appreciate the flexibility Klarna offers, especially the option to split payments into manageable installments. This feature is particularly helpful for purchasing larger items or managing unexpected expenses. People also value the convenience and ease of use of the app, highlighting its user-friendly interface and clear payment reminders. Customers find Klarna to be a reliable and safe payment method, with many reporting positive experiences with returns and dispute resolutions. The availability of various payment options, including the ability to extend payment dates, is also well-received. However, there are some mixed opinions regarding payment processes and customer service, with a few users expressing concerns about communication and potential fees.

Based on these reviews

Rated 4 out of 5 stars
Invited

I appreciate Klarna giving those who had credit troubles in past to experience buy now pay later, Klarna has seen me through situations when money was scarce and they made it possible for myself and I... See more

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Rated 4 out of 5 stars
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Want honest? well for the most part was a good experience but if paying financed prices i expect for my whole order to be there not 1 of 2 pcs and also some support not we'll look into it and then say... See more

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Rated 4 out of 5 stars
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had some difficulty whith one of my returned orders however, unsure if this was a Klarna error or error of the store that purchased was made. purchsed in March but wasnt refunded until around July/Au... See more

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Rated 5 out of 5 stars
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Klarna is always striving to make everyday purchases more convenient,as well as larger purchases that may become necessary @ any moment.Ther custimer service is getting better and better as well as t... See more

Rated 5 out of 5 stars
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I love Klarna, it has helped me with restoring my credit. It makes shopping simple. I can use it online or in the store, It has been easy to do both. The only thing I would change would be to select t... See more

Rated 3 out of 5 stars
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I hate the fact that you need to constantly have your credit unlocked. There is literally too much fraud out here. Then if a payment fails a d you switch it to another card it messes up your balance i... See more

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Rated 5 out of 5 stars
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Times are tough and I’ve used this service on multiple occasions and it’s brilliant, when you can get easy short 0% repayment on a lot of things it’s very handy, I normally use it at Christmas as we h... See more

Rated 5 out of 5 stars
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Easy to use and really handy for purchasing a large item and being able to split the payments up. Some people cannot buy a cooker or fridge outright as it takes up too much of your monthly salary and... See more

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Rated 5 out of 5 stars
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really good at exolain hiw the procevss wirks , holding one self accountabke for ourchases and being thete when in a bit if a pickle. for myself i have found Klaran very helpful, justbas al2ays pau ba... See more

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Rated 5 out of 5 stars
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Klarna makes shopping so much easier! I love how flexible the payment options are—being able to split purchases into manageable installments without extra hassle is a huge plus. The app is very user-... See more

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Rated 5 out of 5 stars
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Klarna has been a lifesaver; working and living in the economy we do in this day and age. Being a middle class family Klarna has come in handy when unexpected expenses have come up; and Klarna has giv... See more

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Rated 5 out of 5 stars
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It’s honestly just overall a privilege to have the option to split pay items so that you can afford more or manage your money better. And while I understand your reasons for running such a tight shi... See more

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Rated 3 out of 5 stars

In general works fine but if you by mistake miss a payment, they will literally harass you. Their email with the QR code to pay went to my spam no idea why so I missed a payment due date, i received 3... See more

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Rated 5 out of 5 stars
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I’m really happy with Klarna! The app is simple to use, very reliable, and makes shopping much easier. I like the flexibility it offers for managing payments and how clearly everything is explained. I... See more

Rated 5 out of 5 stars
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Klarna is super convenient and hassle-free to use! Everything works smoothly, and it makes my life so much easier, especially when I can’t pay all up front, I have the option of paying in 3 instalment... See more

Rated 5 out of 5 stars
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Klarna is the best no high interest ,good payment plan it help me in so many ways I trust Klarna no hidden charges,can use anywhere Klarna good customer service I just love and appreciate Klarna.than... See more

Rated 3 out of 5 stars
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Funtional, but slow. I was a user of Stocard who were bought out by Klana. I figured I'd give it a fair go and visually there's no real difference on the rewards card screen. However the load time fo... See more

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Rated 5 out of 5 stars
Invited

i have used Klarna now for several items. I have found the process very simple and easy to navigate. To date, i have never had any issues using them, and i will continue using klarna whenever possible... See more

Company replied

Rated 5 out of 5 stars
Invited

They made my life easy by purchasing things that are very low interest rate, which is great and just accountability.Being able to go to any store pretty much and just get what I need in payments of 4... See more

Rated 5 out of 5 stars
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Klarna has expanded its retailers and is not so strict on its existing customers as they used to be. In today’s economy it’s great to have shopping options and car repairs or even pay a bill if neces... See more

Rated 3 out of 5 stars
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I was unaware that I had a missed payment. I am not sure how thay happened, but I am grateful I was able to clear it up. Different communication may be required because I never would have left it unpa... See more

Company replied

Rated 5 out of 5 stars
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i always use klarna when ordering things as it gives me the freedom to order multiple size, send back what i dont want so just paying for what i keep! As long as you pay on time there is no intrest ec... See more

Rated 5 out of 5 stars
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The experience of using Klarna is great, simple and easy to navigate, you can easily see all your payments and no problems paying things early! It makes my shopping experiences feel safer too!!

Rated 3 out of 5 stars
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This app is slow to load, on several occasions I have attempted to use in while in a shop and it has either wanted me to update the app or provide my login details even though I am already in the ap... See more

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Rated 3 out of 5 stars
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They decreased my spending power saying I hadnt used it, whuch I had just placed two orders through them the previous month. plus never missed a on time payment

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Rated 5 out of 5 stars
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Klarna helps me shop with confidence and also helps me budget. The biweekly pay dates are reasonable and if you get on a bind, you can extend your payment one time towards as many purchases you have.... See more

Rated 5 out of 5 stars
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Sorry about that payment today. I forgot to transfer money from my household account to my fun money account yesterday. Thank you for letting me know so I could handle this quickly.

Rated 5 out of 5 stars
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I love everything about Klarna I love the card and how I can top money up on my card and it hit right away I don't have to wait days or hours I don't have to wait it's right away

Rated 5 out of 5 stars
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The Klarna app has been amazing to me when shopping for gifts for my grandkids and regular items in between paychecks. I got an email this morning saying I had a payment fail I was able to open the ap... See more

Rated 5 out of 5 stars
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I really needed to get a pair of headlights for my car because for some reason they they decided to stop working one day. They were kind of pricey and I didn’t have the funds to purchase them at the m... See more

Rated 5 out of 5 stars
Invited

I recently had a really positive experience with Klarna’s customer service team. The advisor I spoke with was polite, patient, and very professional throughout the whole conversation. They listened ca... See more

Rated 5 out of 5 stars
Invited

I have been using this app for a little Uber a year and I've gotten to the point where you can get payments instead of splitting forwards. They also have available. 0 3 6 12 and 18 month plans. I beli... See more

Rated 5 out of 5 stars
Invited

What I love most about using Klarna is the repayment method that is used. It prevents you from going into debt because you’re constantly repaying your debts. That’s great for someone like me who would... See more

Rated 5 out of 5 stars
Invited

"I’ve been using Klarna for a while now, and it has completely changed the way I shop online. The app is very easy to use, and I love having the flexibility to split my payments into installment... See more

Rated 5 out of 5 stars
Invited

Klarna I love Klarna buy now pay later!Just being able to purchase now gives me the motivation to explore different ways is Shopping even the more,to purchase many items and pay later is a wonderful... See more

Rated 5 out of 5 stars
Invited

I think it was effortless to receive this credit. It is automatically deducted from my bank account so this helps with me remembering to make sure I am covered without any late fees. Will tells othe... See more

Rated 5 out of 5 stars
Invited

It’s honestly great, to be able to have a little revolving line of credit so to speak. Always easy payment options, immediately without the extra waiting for someone to make a decision. so you can cho... See more

Rated 5 out of 5 stars
Invited

I have been using this app for sometime and it has never failed me. I will say that I loved it, and will continue to use it. I highly recommend it to everyone. The payments are flexible and can purcha... See more

Rated 5 out of 5 stars
Invited

I love everything about this app its allows you so much freedom of paying over time and at long as you pay on time or before your purchase power goes up

Rated 5 out of 5 stars
Invited

It was easy to navigate the app. Loved that I’m able to fix my payments. I wish there’s a way in the future where u could split your payments on a certain day by using multiple cards instead of just o... See more

Rated 5 out of 5 stars
Invited

Klarna's reach, meaning accesability is soooo Awesome!! I have been with Klarna since 2019 and have thoroughly enjoyed and appreciated Klarna! I have always appreciated the fact that I could still sho... See more

Rated 5 out of 5 stars
Invited

This app is great. I started using not out of necessity but for the simple fact thati utilize "available credit" all while never paying credit card company any intrest on the purchase, lol and its spl... See more

Rated 5 out of 5 stars
Invited

Klarna has been a very reliable app. Klarna has helped me with disputes when companies i've purchased from haven't produced the items ive paid for. Really appreciate Klarna & The Support Representives... See more

Rated 5 out of 5 stars
Invited

I really love Klarna because I can’t afford to pay for stuff straight out and they give me the opportunity to purchase things that me and family need or want and put them on a payment plan without the... See more

Rated 5 out of 5 stars
Invited

For about three years I have used Klarna as a smart financial tool by breaking purchases into manageable installments, Klarna allows me to plan ahead, set realistic budgets, and avoid large upfront co... See more

Rated 5 out of 5 stars
Invited

⭐️⭐️⭐️⭐️⭐️ I’ve had a great experience using Klarna! The app is super easy to use, and I love the flexibility it gives me with payments. Being able to split purchases into manageable installments mak... See more

Rated 5 out of 5 stars
Invited

I have used Klarna many times as a payment method and it is incredible, it is safe, fast and I have never had problems with returns. I have actually tried to use other applications but Klarna is defin... See more

Rated 5 out of 5 stars
Invited

I’ve been using Klarna for a while and overall, it’s a convenient way to split purchases into smaller payments without heavy interest fees (as long as payments are on time). The app is user-friend... See more

Rated 5 out of 5 stars
Invited

I’m very impressed with Klarna’s payment options. Splitting payments into installments is simple and convenient, and the process is always smooth. The app is user-friendly, with clear reminders that h... See more

Rated 5 out of 5 stars
Invited

I didn't actually need to use it, but I thought it would be fun to give it a shot. My total was split into three payments, and after my first payment, my items were shipped out within a week. I was ab... See more

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Company details

  1. Payment service
  2. Financial Institution

Written by the company

Discover a Smarter Way to Shop and Pay with Klarna. At Klarna, we're committed to transforming the shopping experience with secure, fast, and flexible payment solutions tailored to your needs. Join a thriving global community of over 85 million active users and more than 575,000 retailers who rely on us to checkout with confidence. Choose Klarna at checkout for added peace of mind with secure shopping and effortless flexibility. Our AI-powered payment technology ensures a quick and personalized experience, empowering you to shop with convenience and assurance every time.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

414K reviews

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Replied to 91% of negative reviews

Typically replies within 48 hours


Rated 1 out of 5 stars

Have had a dispute with a merchant…

Have had a dispute with a merchant regarding damaged goods and wrong items . Used Klarna pay in 30 days for these .
Items arrived damaged and wrong ones that I ordered , sent in pictures and emails with date stamps showing I’ve contacted the merchant to try resolve it and never heard back .
Klarna says they will
Investigate and get this resolved . They advised me to try for another 21 days to reach out to merchant and get a resolution . I tried again and sent proof of emails with no response . They advised that they will now escalate to specialist team and will take 2 weeks to make a decision .
This has no passed and the investigation lead to the conclusion that the merchant has resolved the issue and no further action needed . So now I’m left with faulty damaged goods and no refund or replacement . Do not think you are protected with Klarna as you are not . And the customer care team are sending automated responses and do not help

10 October 2025
Unprompted review

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