What is Klarna?
Klarna is your everyday money app, helping you manage spending, payments, and rewards. All in one place.
Built for real life, it gives you flexibility in how you pay, protection when you shop¹, and smarter ways to get more from everyday spending.
Everyday money simplified
Klarna Card
Pay with Klarna everywhere, online and in-store. Pay in full for everyday spending and choose to pay later for bigger purchases.²
Flexible payments
Shop now and pay later with Klarna's flexible payment options. Choose to pay the full amount, in 30 days or with financing.³
Cashback
Earn cashback⁴ when you shop at hundreds of stores in the Klarna app. Redeem it for money added to your Klarna balance, or convert it to airline and hotel points with a membership plan.⁵
Budget tracking
Stay on top of your money with everything in one place. Track payments, see what’s coming up, manage cards and limits, and understand how cashback adds to your balance.
Pay with Klarna everywhere
From big brands to everyday favourites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout, use the app, or simply tap your Klarna Card.
At checkout
In the app
Everywhere else
Klarna puts safety first
Klarna protects your money and personal information on every purchase.
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 4.9 on the App Store and 4.8 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.
Your financing account is already set up with automatic payment withdrawals to help you stay on top of your payments.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. Interest will only be applied to the original instalment amount.