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 shop, 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.¹
Flexible payments
Shop now and pay later with Klarna's flexible payment options. Choose to pay in full, in 4 interest-free payments, in 30 days or over time.²
Cashback
Earn cashback³ 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.⁴
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 watch cashback grow in your balance.
Mobile plan
Get unlimited 5G data⁵ on AT&T's network, with a mobile plan from Klarna for $40/mo.
Pay with Klarna everywhere
From big brands to everyday favorites, 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 with every purchase.⁷
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 out of 5 on the App Store and Google Play, with over 3.9M reviews.
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 3.4 million transactions happening every day.
Frequently asked questions
Most of Klarna's revenue comes from fees that stores pay to offer Klarna at checkout. They choose Klarna because it helps more people complete their purchases smoothly and feel confident while shopping.
Klarna earns a smaller amount from interest on our financing products and from late fees when payments are missed. These late fees are clear, limited, and often avoided completely. Klarna also provides reminders and flexible payment options to help people stay in control of their spending.
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.
Shop smart with Klarna today
Get the app: