Person with a Klarna keychain and app home screen animation
Person using Klarna app on phone

Your money treated right

Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.

Get the app

Trusted by millions worldwide

4.5
Web_Logotype_TrustPilot_Transparent_1x1Trustpilot rating
20
years of experience
119m
users worldwide
1m+
merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.
Designed around you
Accepted everywhere
Web_Generic1_Brand_Cashback_9PercentBoosted_Custom
Built to grow
Web_Groceries_ScreenSimplified_Payments_Overview_Custom_en-US
Clear and simple
Always supported
  • Choose how you pay. In full, later, or over time.¹ Always with clear terms and helpful reminders.
  • Pay with Klarna wherever you shop, online and in physical stores.
  • Turn spending into rewards. Earn cashback on purchases, and watch it all stack up.
  • Track expenses, manage your money, and stay on budget in the app.
  • Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Pay over time¹ with our flexible payment options, giving you more control over your budget.
Pay at checkout

Cards

Choose how you pay and take the benefits of Klarna wherever you go. ²

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.³

Klarna balance

Add money in the Klarna app⁴ and pay flexibly, everywhere.

Savings

Save your way with our flexible savings account.

Cashback

Earn cashback on everyday purchases.⁵

Shopping

Search to find better prices on your favorite products.

Mobile

Get a Klarna phone plan with priority 5G on AT&T⁶, the nation’s most reliable network.
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁷

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay⁸ or Google Pay⁹, or use your Klarna Card⁴ anywhere Visa is accepted.²

Arm holding pink headphones with a "Pay with Klarna" badge on top

Checkout

Hand holding a device showing the Klarna app

Klarna app

Klarna cards

Shop with built-in security

Your transactions include built-in buyer protection¹⁰ and advanced fraud prevention. So your money and data stay secure with every spend.

Real reviews from real people

TrustScore
4.5
|
571,315 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

¹ Monthly financing through Klarna issued by WebBank.
CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
² 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.
³ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
⁴ Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures.
⁵ 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.
⁶ Klarna mobile plan provides priority data on AT&T’s 5G network (QCI 8) for more consistent speeds and lower latency during congestion.
⁷ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Balance required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
Installation process can take a few minutes. Stable internet connection and eSIM compatible device required.
⁸ Klarna and Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad.
Software requirements apply. Use Klarna’s plans for a service fee, loans issued by WebBank. Loans not offered by Apple. Terms apply.
⁹ Google Pay is a trademark of Google LLC. Klarna loans on Google Pay issued by WebBank.
¹⁰ Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.