What is Klarna?
Klarna is your everyday money app that helps you manage spending, payments, and rewards, all in one place.
Built for real life, it gives you choice in how you pay, protection when you shop, and ways to get more from everyday spending.
Everyday money simplified
Flexible payments
Pay with Klarna everywhere, online and in-store.¹
Budget tracking
View all your finances in one place. Set budgets, stay on track with reminders, and enjoy a range of other smart features.
Pay with Klarna everywhere
From big brands to everyday favourites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout or use the app.
At checkout
Look for the pink badge when you checkout online at your favourite stores.
In the app
Choose flexible payments at any brand.
Klarna puts safety first
Klarna protects your money and personal information with every purchase.²
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 119m people who love to shop and pay with Klarna, rated 4.5 on the App Store and 4.5 on Google Play.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 119m customers across 26 countries choose Klarna's flexible payment options, with 3,4M transactions happening every day.
Frequently asked questions
To be eligible to use Klarna:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.