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
Klarna Card
Pay with Klarna everywhere, online and in-store. Pay in full for everyday spending and choose to pay later for bigger purchases¹.
Flexible payments
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time².
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 plan⁴.
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.
Mobile plan
Get unlimited 5G data⁵ on AT&T 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 for Klarna at checkout, use the app, or pay with the Klarna Card.
At checkout
Look for the pink badge when you checkout online at your favorite stores.
In the app
Choose flexible payments at any brand, and earn cashback³ at select stores.
Everywhere else
Get the Klarna Card to pay in full or pay later, anywhere Visa is accepted⁶.
Klarna puts safety first
Klarna protects your money and personal information on every purchase⁷.
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
People love Klarna
Join 114+ million people who love to shop and pay with Klarna—rated 4.8 out of 5 on the App Store, with over 1.5M reviews.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 114 million customers across 26 countries choose Klarna's flexible payment options, with 3.4 million transactions happening every day.
Frequently asked questions
More questions about Klarna? Find your answers below or explore our site for more information.
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, you must:
Be a resident of the United States or its territories
Be at least 18
Have a valid card/bank account
Have a positive credit history
Be able to receive verification codes via text
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.
Klarna is a flexible payment service that offers ways to shop now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
Shop smart with Klarna today
Download the app:
¹ Apply in advance for Pay in 4, issued by WebBank, with a service fee between $0.75-$3. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required.
² CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
⁴ Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
⁵ “Unlimited 5G” means Klarna mobile plan provides unlimited high-speed 5G data with peak speeds up to 4.2 Gbps and minimum speeds around 300 Mbps—about twice the U.S. average. Other “unlimited” plans often slow to unusable levels after data caps. Actual speeds vary by location, network, and device. A 5G-capable device and AT&T 5G coverage are required. Subject to our Acceptable Use Policy.
⁶ Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁷ Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.