Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Klarna

60
User verdict / 100 High confidence Divided

Klarna offers a convenient 'buy now, pay later' service that many users appreciate for its payment flexibility, but recent reviews highlight significant issues with customer service, payment processing, and app functionality.

4.9★ lifetime (2,271,226) Free to download since 2016 by Klarna Bank AB updated 0.1 mo ago recent negative 50% 120 reviews across 4 regions
Payment Flexibility Customer Service Payment & Refund Issues App Functionality & Glitches Declined Purchases
5★378
4★17
3★29
2★47
1★379
recent reviews across 4 regions, vs the 4.9★ lifetime average

Klarna is a popular finance app allowing users to split purchases into flexible payments, which many find helpful for budgeting and acquiring needed items. However, recent user feedback indicates a decline in service quality, with frequent complaints about payment discrepancies, poor customer support, and technical glitches.

What users like

  • Offers flexible payment options, making purchases more affordable and manageable.R3R4R6R8
  • Helps users acquire items they need, even with financial constraints or for building credit.R2R4R10R13
  • App is generally user-friendly and helps organize payments.R25R32R38R45

What users complain about

  • Frequent issues with payment processing, including double charges, unauthorized charges, and difficulty with refunds.R12R21R37R52
  • Poor or non-existent customer service, with users struggling to resolve issues.R17R37R62R70
  • Users are frequently declined for purchases, even with good payment history or after being offered services.R20R27R28R48
  • App suffers from technical glitches, crashes, and forced updates at inconvenient times.R40R43R64R70
  • Lack of flexibility in payment dates and issues with loyalty card functionality.R245R542R664R691
  • Concerns about subscription fees, extra charges, and lack of fraud protection.R5R67R93R101

Latest update · v26.28.350

What the developer says changed (the verdict above weighs this against what reviewers report):

The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.

Recurring themes

Payment Flexibility positive
Many users praise Klarna for making purchases more accessible by allowing them to split payments into manageable installments, helping with budgeting and acquiring necessary items. This is a core appeal of the service.R3R4R6R8
Customer Service negative
A significant number of recent reviews highlight extremely poor or non-existent customer service, with users reporting difficulty reaching live representatives and unresolved issues regarding payments, refunds, and account problems.R17R37R62R70
Payment & Refund Issues negative
Users frequently report problems with payments, including being double-charged, charged for canceled or undelivered orders, and difficulty obtaining refunds from Klarna even when merchants have processed them. Some also mention unauthorized charges.R12R21R37R52
App Functionality & Glitches negative
Many users experience technical problems with the app, such as freezing, crashing, slow loading times, and mandatory updates occurring at inconvenient moments, particularly at checkout. Some also report issues with facial recognition and linking bank accounts.R40R43R64R70
Declined Purchases negative
A recurring complaint is that users, even those with good payment histories or high purchase power, are frequently declined for purchases without clear reasons. This happens even after Klarna advertises services or offers payment plans.R20R27R28R48

Who it's for

Klarna is for shoppers who need flexible payment options to manage their budget or acquire items immediately R3R45. It is particularly useful for those who consistently make on-time payments, as this can lead to increased spending limits . However, users should skip Klarna if they anticipate needing reliable customer support for payment disputes or technical issues, as recent reviews indicate significant problems in these areas R17R126.

Evidence note: The recent review sample skews heavily negative, with a 0.501 recent-negative signal. This contrasts sharply with the lifetime rating of 4.86, suggesting a significant decline in user satisfaction or a recent influx of negative experiences. The developer's notes mention 'minor updates and fixes,' but recent reviews contradict this by reporting numerous ongoing app glitches and payment issues.

Frequently asked

Does Klarna offer good customer service?
Recent reviews indicate that Klarna's customer service is poor, with users reporting difficulty speaking to live representatives and unresolved issues regarding payments and refunds R17R126R159.
Can I get a refund if my Klarna order is canceled or undelivered?
Many users report significant difficulties getting refunds from Klarna for canceled, damaged, or undelivered orders, even when the merchant has processed the refund R12R86R90R159.
Does Klarna report to credit bureaus?
One user noted that Klarna does not report positive payment information to credit bureaus, despite using credit checks to decline purchases R89.
Are there hidden fees or subscriptions with Klarna?
Some users report being charged for subscriptions they couldn't opt out of or incurring extra fees for using the service R5R93R143.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] 5/5 · US Lo mejor: Amo esta aplicación, obtengo mis cosas sin remordimientos y a plazos cómodos.
  2. [R4] 5/5 · US Salva vidas: Es una gran oportunidad de poder comprar más por menos y crear un crédito
  3. [R6] 5/5 · US Pagos accesibles: Buena opción para
  4. [R8] 5/5 · US Comprar: Me fascinó ayudan a uno ser pagos fáciles y eso es importante uno puede comprar y Sequir lo importante es pagarlo gracias
  5. [R2] 5/5 · US Thank you Klarna: Had a work injury a year or so back. Bills piled up and late payments began. I saw adds for PDS come up and I went through with them. They wrecked havoc on my credit and even though my credit score is back to fair because of the missed payments PDS debt has you do it still shows all these delinquencies on my account. My dog broke her foot and I can’t get help for funding anywhere
  6. [R10] 5/5 · US Good option: Great help. Needed new clothes for work. This helped greatly
  7. [R13] 5/5 · US Great app: This gives mi time to play and get ready for back to school
  8. [R25] 5/5 · US Klarna works: User-friendly awesome tool for things one of them, specially Airbnb
  9. [R32] 5/5 · US Great: Easy to use
  10. [R38] 5/5 · US Functional and Helpful: I had bought big stuff before ans Klarna makes it easy to organize and payment plans. Even small stuff, I like to use to not feel heavy while paying.
  11. [R45] 5/5 · US Great!: I’ve had a great experience using Klarna. The app is extremely user-friendly, easy to navigate, and makes the checkout process simple. I really like how it helps spread out payments, which makes it much easier to make necessary purchases when my budget is tight. Everything is clearly laid out, payment reminders are helpful, and I’ve found it to be a convenient way to manage my spending wit
  12. [R12] 1/5 · US STARZ: I ordered STARZ through Klarna but could not login. STARZ says they can’t find my account and cannot provide a refund and stated Klarna has my payment and will be responsible for the refund. Now Klarna won’t refund my money and I guess I’ll be seeking legal action.
  13. [R21] 1/5 · US Concern: Not sure what’s going on with my account but I just had to make a payment for the payment I just made …
  14. [R37] 1/5 · US Poor Customer Service: Klarna tried to double charge me and then acted like I was crazy when I attempted to get clarification on the situation.
  15. [R52] 1/5 · US Worst App in the Store: They took money out my account and did call to tell me that I didn’t get approved.
  16. [R17] 1/5 · US No customer service: Klarna needs to have a contact phone number available to speak to a live customer service representative
  17. [R62] 1/5 · US good app but horrible customer service: I’ve been having an issue using Klarna for over a year now. I first reached out to Klarna a year ago requesting assistance with my account since every time I go to use Klarna it says they are unable to offer me anything since I have past due balances. I went into my app to see if there was anything I owed. My app shows a $0 balance to be owed and that I have
  18. [R70] 1/5 · US Used to Love this app, NOT anymore: I cannot believe how 1 update has completely screwed this app up!! So very disappointed and completely frustrated with this app and its customer support. Thank goodness there’s PayPal. Guess that’s where my business wand money will be going from now on.
  19. [R20] 3/5 · US Telling me i cant use it: I cant use klarna because of my bank 🤦🏾‍♂️
  20. [R27] 1/5 · US I pay in full: I can’t pay in installments after using app for more than 15 purchases.
  21. [R28] 3/5 · US Often Decline after offering: I’ve noticed Klarna will have services advertised all over these wholesale platform apps. Then you pick your items click Klarna, wait for plans to appear and then click to be told payment is declined due to something not at all related to me. I’m well ahead of my payments nor had 1 late. Strange but ai bot says it happens. So idk I guess it happens
  22. [R48] 1/5 · US Terrible assessment: I received an extremely low loan amount on my initial purchase.
  23. [R40] 2/5 · US Review: To complicated
  24. [R43] 2/5 · US Ok app: So first I would like to say the app is OK for small purchases. I’ve used it for a big purchase once before and it worked but it seems like this previous year. It’s been giving me a lot of problems with trying to purchase plane tickets, etc. I have used several other apps that are similar to this and this seems like the most disappointing one the app freezes up when it’s time to make large
  25. [R64] 1/5 · US Glitchy AF: Junk
  26. [R245] 3/5 · GB Payments: When I took out the sofa via wayfair Klarna pay, I was sure each payment month I opted for end of month payments so that when I get paid the amount would automatically go through instead I have had issues as the payment keep coming out on the 20th of each month. I tried to Change this but was told it wasn’t possible, would be nice to get more flexbility. Like I said I did set it up for p
  27. [R542] 3/5 · CA New delayed payments request of 2: Need more time to pay should be able to do more than one delayed payment(2 at most)
  28. [R664] 3/5 · AU Loyalty cards need some work: Please stop messing with the Loyalty cards. 2FA is unnecessary for something this low-risk If someone steals my phone, loyalty cards aren’t their priority Performance also needs improvement: Ensure Loyalty cards load quickly and reliably Current load times are frustrating for everyday use
  29. [R691] 3/5 · AU Changing the bar constantly: They keep changing their payment plans
  30. [R5] 1/5 · US Makes you pay for a subscription: And will not allow you to opt out after you order with them
  31. [R67] 1/5 · US No fraud protection: If I could I give them 0 stars, I was paying the 20 membership that said it cover fraud we’ll using the klarna card on a website my information got robbed and I was charged 50 in uber charges that I never even did by the time I cancelled my card to block the attempt the 50 dollars got threw called them reported it and basically told that was made trough my phone which is what
  32. [R93] 1/5 · US Not pleased: I purchased this membership under the belief that it would assist with being able to utilize the pay now pay later option. I’ve been declined for every request but still charged monthly $44. I was approved more before purchasing the membership.
  33. [R101] 1/5 · US Not trustworthy and I think that are a fraudulent company: I was charged a late fee for no reason and they make it very challenging to pay off the total amount. I will be reporting them to the BBB for fraud and false statements. DO NOT USE THEM!!!
  34. [R126] 1/5 · US DO NOT USE: Do not use this company or app. The customer service is absolutely abysmal and no help. Plenty of other buy now, pay later accounts/apps that are helpful, transparent, and run correctly. Terrible.
  35. [R159] 1/5 · US Terrible customer service: I had an order from apple that was canceled for 1200, and provided proof from apple but they won’t take loan off my account. Now paying for something I never received even with providing proof.
  36. [R86] 1/5 · US Never got my package: I talked to multiple people regarding my package been missing and somehow I still have to pay for it make no sense
  37. [R90] 1/5 · US THEY DO NOT GIVE YOUR MONEY BACK: I placed an order in March for $72 for an Ulta order, my order arrived damaged, I contacted Ulta, they issued a refund. Klarna kept making me pay.. I have been dealing with them since March, they say they will freeze payments.. that’s only for a short time. I have now paid an entire bill of $72 when I was refunded by Ulta in March for $51, I contacted Ulta and eve
  38. [R89] 1/5 · US OUTRAGED!: If I could leave ZERO stars I would! I’ve been using this app for 6 years!!! I’ve been paying on time and early since day one! All of a sudden I can’t even get approved for a small purchase of $40 over a soft credit check! They don’t even report positive info to the credit bureaus but has the ability to say no sounds very illegal! If you have the ability to say no to credit line based o
  39. [R143] 1/5 · US Extra fee for using: Klarna has slowly been taxing us to us the service. Afterpay does not!!! take notes do better!!!

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store