Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Klarna vs Ramsey Network

Klarna 4.9★ · Free to download 65
Winner Tie
Ramsey Network 4.9★ · Free + IAP 60

Klarna is better for flexible payment options, while Ramsey Network excels in providing financial education content despite its app's technical issues.

Full reviews: Klarna · Ramsey Network

Klarna offers flexible payment solutions for purchases, but users frequently report issues with customer service, unexpected declines, and technical glitches. Ramsey Network provides valuable financial advice and content, though its app is plagued by playback problems, login difficulties, and a lack of standard podcast features.

Head to head

Features tieR6R7R8R12
Klarna Klarna users appreciate the 'pay in 3' or installment options, which make shopping more affordable and help with budgeting R8R12. Some also use it to build credit R7. However, there are complaints about unexpected declines after offers R6, inability to use installment plans after many purchases , and issues with subscription management R13R50.
Ramsey Network Ramsey Network is praised for its wealth of financial advice, podcasts, and video content, which many find life-changing and helpful for planning their future . Users desire features like marking episodes as played , better show notes , Apple CarPlay support R78R81R96R104, and the ability to download audiobooks for offline listening R110R112.
Ease of Use edge: KlarnaR1R4R5R9
Klarna Some Klarna users find the app easy to use for making payments R5, but others report significant difficulties with face recognition R1, continuous loading R4, and unexpected changes in available balance or credit checks R9. Many find the refund process confusing or experience issues with payments not being applied correctly .
Ramsey Network Ramsey Network users frequently describe the app as 'clunky' and 'frustrating' . Common complaints include episodes not remembering where users left off , episodes playing in reverse order , and the app requiring frequent logins or password resets .
Reliability tieR4R10R18R21
Klarna Klarna users report numerous reliability issues, including payments being declined without reason R10, double charges R28, incorrect payment dates R18, and the app failing to apply payment plans correctly . Some users also experience the app continuously loading R4 or being unable to identify them .
Ramsey Network Ramsey Network's app struggles significantly with reliability. Users report the app hanging up frequently , crashing , not playing episodes , and failing to load new episodes . There are also issues with required updates scuppering usage at critical times R21, and the app not maintaining selected playback speeds .
Price/Value tieR8R10R12R13
Klarna Klarna is valued by users for enabling purchases with flexible payment plans R8R12. However, some are charged for subscriptions they didn't want or couldn't opt out of R13R50, or experience unexpected late fees R10 and charges for services not received R38R60.
Ramsey Network Ramsey Network offers its core content for free, which many users appreciate . The value is in the financial advice and educational content . However, some users report being charged for audiobooks they didn't receive or finding the app's limitations make it less valuable than standard podcast apps .
Support tieR1R16R19R28
Klarna Klarna users frequently criticize the customer service, citing a lack of live phone support R19, receiving copy-paste instructions that don't solve problems R1, and agents being unhelpful with issues like double charges R28 or refunds R16. Some feel their concerns are ignored or that the company makes broken promises .
Ramsey Network Ramsey Network users report issues with support, particularly regarding login problems where they receive automated responses but no resolution . There's also a complaint about no reply from the support team after being charged for an audiobook not received . Some users mention being unable to reach app support for account creation issues .
Pick Klarna if

You need flexible payment options for purchases and are comfortable navigating potential customer service or technical issues R8R12.

Pick Ramsey Network if

You are primarily looking for comprehensive financial education and advice, and are willing to tolerate a buggy app experience or use alternative platforms for content .

Evidence note: Both apps have a significant number of negative reviews related to app functionality and customer service, despite high lifetime ratings. Klarna's issues often revolve around payment processing and support, while Ramsey Network's are largely about app performance and missing standard features.

Frequently asked

Does Klarna offer good customer support?
Klarna's customer support is frequently criticized by users for being unhelpful, lacking live phone representatives, and providing generic responses that do not resolve issues like face recognition problems, double charges, or refund complexities R1R16R19R28.
Can I listen to Ramsey Network content offline?
Ramsey Network users report significant issues with offline listening, particularly for audiobooks, as the app often requires an internet connection to log in and play content, making it useless for situations like flying or train rides R110R112.
Are there recurring charges with Klarna?
Some Klarna users report being charged for unwanted subscriptions or memberships that they were unable to opt out of after making an order R13R50. Others have experienced unexpected charges for services or products they never received R38R60.
Does the Ramsey Network app work with Apple CarPlay?
Many Ramsey Network users express a strong desire for Apple CarPlay support, noting that the current app lacks this functionality, making it difficult to control playback or select episodes safely while driving R78R81R96R104.

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. [R6] Klarna 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
  2. [R7] Klarna 1/5 · US Horrible treatment: Gonna make this quick but I’ve never missed a payment ever. Been with them for over a year and have other profiles I’m above 750 credit score. Randomly my purchase power went down dramatically and they want me to just pay all of it pretty much so why would I use you. I have the money but want to build my credit I would tell people to use the app and everything. I’m uninstalling
  3. [R8] Klarna 5/5 · US Klarna Account: I love that Klarna is there for people that need payments. Thank you
  4. [R12] Klarna 3/5 · GB Hooray for Klarna: Love using the pay in 3 agreement that Klarna offer. It makes shopping so easy and help make paying for things more affordable. I’m a very happy member. 👍👍👍
  5. [R1] Klarna 1/5 · US Face Recognition: No help at all! The face recognition keeps blacking out. This is the fourth time. Every time I ask for help with an agent they give me a copy paste instructions that I told them several times I’ve already done it and still doesn’t work. They don’t care and always say wait 24-72 hours and try again. SSTILL DOESN’T WORK! I really hate the face recognition system. It’s so horrible!
  6. [R4] Klarna 1/5 · US App: Continuous loading
  7. [R5] Klarna 5/5 · US Exelente servicio: Muy buen servicio, la verdad complacido.
  8. [R9] Klarna 3/5 · US Report: It’s ok but I’m confused on why my available balance keep changing and yall keep running a credit check this affects people credit
  9. [R10] Klarna 1/5 · US Declined for what??: There was no reason for my payment to have been declined! Thus, there was no justification for the late fee being applied to my account!
  10. [R18] Klarna 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
  11. [R21] Klarna 3/5 · GB Handy but can be inconvenient: It’s handy to have cards in one place and this app is good for that. Negatives are it springs on you a required update occasionally which totally and utterly scuppers you at the till right when you need it most. You either have to apologise to all in the queue and stand there while it updates and burns through your mobile data - if you have reception in that big meta
  12. [R13] Klarna 1/5 · US Makes you pay for a subscription: And will not allow you to opt out after you order with them
  13. [R16] Klarna 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.
  14. [R19] Klarna 1/5 · US No customer service: Klarna needs to have a contact phone number available to speak to a live customer service representative
  15. [R28] Klarna 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.
  16. [R110] Ramsey Network 1/5 · US Audiobooks Not Downloadable: Was required to move to this app when the old audiobook app was discontinued. Because I normally listen to audiobooks off line (i.e. when flying , etc) this app is useless. The audiobooks are not able to be downloaded, and just to login to the app requires access to the internet. It was a waste of my money to buy any books directly from Ramsey Solutions as I cannot
  17. [R112] Ramsey Network 2/5 · US Love your work and everything but: This Ramsey network is Horrible.. especially combining with audiobook.. I am having trouble listening to this on train and first book I purchased was great.. but I bought 2 recently and 80% of train ride it’s looking for connection… I live in NYC… please have audiobooks downloaded into whatever file so it doesn’t need connection to play….
  18. [R38] Klarna 1/5 · US Charged for a service and product I do not have: This company Im not sire if its a scam or what but Klarna is taking money out my account and I have never received a service or product from yhis company and when I asked them to stopped they denied and have yet to tell me why this is crazy. This is my money and Im not a new customer.
  19. [R50] Klarna 1/5 · US Theft!!!: I tried to see how it worked during a Walmart purchase and it gave me a zillion problems. It didn’t allow me to use cards attached to the account. It didn’t allow me to add a card to the account. And it CHARGED me for some stupid membership. You’ll definitely give me THAT back!!!
  20. [R60] Klarna 1/5 · US Stupid: Why are you still charging my bank card if I only used your app maybe once?!?! This bs!
  21. [R78] Ramsey Network 3/5 · US One thing keeping me from leaving spotify: This app needs better carplay support. Until it has functional skip buttons, etc, I’m sticking with spotify.
  22. [R81] Ramsey Network 3/5 · US Needs Apple CarPlay: Please add an app for Apple CarPlay
  23. [R96] Ramsey Network 3/5 · US Final hour still not available - need Apple Watch support: I used to love listening to (every hour) Ramsey network podcast during my morning Run. Now I can’t get final hour on normal podcast but only on the Ramsey app. Totally cool but you don’t have an Apple Watch app so now I have no way to listen to every hour. I hope you are going to invest in Apple Watch so I’m not left to my own thoughts dur
  24. [R104] Ramsey Network 4/5 · US CarPlay app needed: Happy to stream my Ramsey audio books through this app but can a brother get a CarPlay app for where I do most of my listening? I’d be forever grateful.

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