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

Progressive Leasing vs Klarna

Progressive Leasing 4.7★ · Free to download 60
Winner Klarna
Klarna 4.9★ · Free to download 85

Klarna is generally preferred for its ease of use and payment flexibility, while Progressive Leasing struggles with app functionality and high costs if not paid off quickly.

Full reviews: Progressive Leasing · Klarna

Klarna offers a smoother user experience with flexible payment options, making it a popular choice for splitting purchases. Progressive Leasing, despite its utility for large purchases, is plagued by app issues and high costs if users miss the 90-day payoff window.

Head to head

App Functionality & Reliability edge: KlarnaR1R3R5R6
Progressive Leasing Progressive Leasing users frequently report significant issues with the app, including sign-up errors, white screens, freezing, crashing, and difficulty accessing account information or making payments R1R3R6. Some users also experience problems with verification and logging in, often requiring re-entry of information R5.
Klarna Klarna generally receives positive feedback for its user-friendly interface and ease of navigation . However, some users report issues with the app freezing during large purchases, forced updates that cause inconvenience at checkout, and occasional glitches like infinite sign-in loops or incorrect payment displays R76.
Cost & Value (Interest/Fees) edge: KlarnaR9R10R11R16
Progressive Leasing Progressive Leasing users frequently complain about high costs, stating they end up paying double or even triple the original price if they miss the 90-day same-as-cash payoff option R10R11R24R25. There are also reports of unexpected fees, increased tax amounts, and issues with early payment processing leading to double payments or overdraft fees R9R10R16.
Klarna Klarna users generally appreciate the flexibility of payment plans and often state there are no extra charges or hidden fees . However, some users report being double-charged or having issues with refunds, and there are complaints about unexpected charges for services not received or a membership fee R70.
Customer Service & Support edge: Progressive LeasingR2R9R13R16
Progressive Leasing Progressive Leasing receives mixed reviews for customer service. While some users report positive experiences and helpful representatives R2, many others describe poor service, including misinformation, difficulty resolving issues, and being blocked from making further purchases R9R13R16.
Klarna Klarna users frequently complain about the lack of accessible customer service, specifically the absence of a contact phone number to speak with a live representative R61R70R88. Users report difficulties getting clarification on charges, resolving double-billing issues, and processing refunds R70R88R90.
Approval & Purchase Experience edge: KlarnaR14R15R17R20
Progressive Leasing Progressive Leasing is praised for its quick approval process and ease of making purchases at partner retailers like Best Buy and Lowe's R14R17R20R32. However, some users report being declined after initial approval, issues with card verification at checkout, or being asked for excessive documentation after initial smooth experiences . The app also has limitations on what items can be leased R15.
Klarna Klarna is generally seen as an easy way to split payments and make purchases, with many users appreciating the flexibility it offers . However, users frequently report being declined for purchases despite good payment history, issues with bank compatibility, or receiving low loan amounts R66R67. Some also find the ID verification process cumbersome .
Pick Progressive Leasing if

You need to lease larger items from specific partner retailers like Best Buy or Lowe's and are confident you can pay off the lease within the 90-day same-as-cash period to avoid high costs R14R17.

Pick Klarna if

You want a flexible payment option for a wider range of purchases, appreciate a generally user-friendly app, and prioritize splitting payments without necessarily incurring high interest .

Evidence note: Reviews for Progressive Leasing are heavily skewed towards app functionality issues and the high cost of not utilizing the 90-day payoff option. Klarna's reviews, while more numerous and generally positive, still highlight common pain points around customer service and inconsistent approval decisions.

Frequently asked

Is Progressive Leasing a good way to build credit?
Some users suggest Progressive Leasing can be a good option for building credit, especially if you are new to it, as payments are automatic and there's no hard credit check initially R32R55.
What happens if I miss the 90-day payoff with Progressive Leasing?
If you miss the 90-day same-as-cash payoff period with Progressive Leasing, you will likely end up paying significantly more, often double or triple the original purchase price R10R11R24R25.
Does Klarna have good customer service?
Many Klarna users report poor customer service, specifically noting the lack of a contact phone number to speak with a live representative and difficulties resolving issues like double charges or refunds R61R70R88R90.
Why am I being declined by Klarna even with good payment history?
Klarna users frequently report being declined for purchases, even after making many on-time payments, with some attributing it to an AI bot or inconsistent approval decisions that are not always related to their payment history R66R67R76R116.

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. [R1] Progressive Leasing 2/5 · US Sign up error: I was excited to apply and use this but every time I enter my Social Security number it says it’s wrong format although I’m entering it in correctly
  2. [R3] Progressive Leasing 3/5 · US Can’t open anything to apply: App has some bugs, I wanna go to Best Buy but it won’t go to it. It just sits on a white screen the whole time I have tried with and without WiFi to get it to work and nothing
  3. [R5] Progressive Leasing 4/5 · US Not user friendly app: Coming back to an application can be a headache. It will have you apply all over again and then it’ll say pending because you already have an app open..
  4. [R6] Progressive Leasing 3/5 · US Ok: Going into my app account lags and won’t even let me log in sometimes.
  5. [R9] Progressive Leasing 3/5 · US Irritated: I made an early payment on my account thinking I was doing a good thing to get ahead and I told the representative that I was making the payment early for the payment due two days later but instead she put the payment in as an additional payment and my account is now being drafted for another payment which will not clear and I will be getting an overdraft fee. I explained what should ha
  6. [R10] Progressive Leasing 1/5 · US Scam!!!: I’ve been using them for about 5 years now. At first they offered a 90 days same as cash but now customer service acts like they never did and charged almost 3x the price amount and now they keep raising the tax amounts on payments. They take almost two weeks to process the payments. This is a scam do not do it or you will pay a lot more than what it’s worth.
  7. [R11] Progressive Leasing 4/5 · US Worst decision ever: Does what it needs to do HOWEVER accidentally missing your 90 days (because they will NOT remind you i missed by 1 day) will get you stuck paying 3xs more than what it is worth and god forbid you did not buy anything over $200. A last minute emergency $800 ipad costed me $2300. Thankful to be more responsible with my belongings now. I will never use them again.
  8. [R16] Progressive Leasing 1/5 · US There service: I call them to make my early purchase payoff amount to pay my lease off and the lady even repeated what I wanted to do but instead of scheduling the payment she left it alone and just let a regular weekly payment come out of my account and now I’m having to pay double to pay it off vs if she would of some like I asked her to do I could of payed it off now I’m having to pay double so
  9. [R2] Progressive Leasing 5/5 · US Amazing service: Great options
  10. [R13] Progressive Leasing 1/5 · US discrimination: terrible people to deal with when you've paid every lease off early and because you didn't pay their pawnshop lease by paying it off early every time and for that they block your phone number so you cannot get any other purchases even with an approved amount! Discrimination
  11. [R14] Progressive Leasing 5/5 · US Soo easy to use!: Used now multiple times at multiple retailers like Best Buy, the New Big Lots, and Lowe’s. The application is super fast as it has all my info pre-populated. Tap to pay awesome as well!
  12. [R15] Progressive Leasing 3/5 · US No Ebikes: Why should they determine what you lease as long as it’s within your lease amount. Electric bikes/dirt bikes are excluded. Ridiculous!
  13. [R17] Progressive Leasing 5/5 · US Excellent: Completed several purchase never had any issue. I shop mainly Best Buy I do recommend using the 90 day pay off to save you money. I did turn in one purchase wanted to upgrade the laptop. No problem they sent me the box and I sent it back, Lease complete and new MacBook I got.
  14. [R20] Progressive Leasing 4/5 · US No issue at all: I really wanted a PlayStation 5 so I checked out this leasing option from Best Buy. I got approved and went next door during my lunch and told them I was using the leasing option and I was approved and they looked it up and proceeded to process and I got my PS5 same day. Payments were super easy and got taken straight out of my account. I got a email when I was doing saying I own
  15. [R32] Progressive Leasing 5/5 · US Top Contender: Progressive Leasing is leading the market and here’s why. I’ve used progressive for a while now, and they are so easy to use. There was no Credit Check that hit my credit, just easy financing. Highly suggest Progressive Leasing and Sezzle for all of your financing needs. They are two great options depending on the financing options you are looking for.
  16. [R55] Progressive Leasing 5/5 · US This is one of the best ways to build credit: I have used Progressive Leasing 3 times and I’ve loved the process and how easy it is to get your quote and start shopping. The payments are automatic, so it’s no hassle with remembering to make the payment. It is a great option if you are new to building credit or just want that extra boost. I love using them and you always have the option to pay off
  17. [R24] Progressive Leasing 3/5 · US Don’t Do It!: You’ll end up paying more than double what the merchandise is worth.
  18. [R25] Progressive Leasing 1/5 · US Awful decision!: I have repaid so very much more than the initial purchase! Do not do this!!!
  19. [R61] Klarna 1/5 · US No customer service: Klarna needs to have a contact phone number available to speak to a live customer service representative
  20. [R70] 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.
  21. [R88] Klarna 1/5 · US Klarna’s failing: Klarna’s customer service is non existent. I purchased a flight via the Klarna’s app which had an offer for cash back purchases with Expedia. The original purchase was declined, but the protection was approved and charged. I then purchased the flight via the Klarna’s app’s Expedia portal and was approved. I did not purchase the protection again, because I was already charged. I c
  22. [R90] Klarna 3/5 · GB Refunds: Offered but very confusing to collect. I still haven’t got mine back despite trying. They want photos and other evidence just to take it off your balance!
  23. [R66] 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
  24. [R67] Klarna 1/5 · US I pay in full: I can’t pay in installments after using app for more than 15 purchases.
  25. [R76] Klarna 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
  26. [R116] Klarna 2/5 · US Approval is weird: Klarna approve you for what they want , I spent 40 and did Klarna I did macys for 100 and did Klarna both accounts paid to date always current but want approve me for Amazon for 150.00 this app is beginning to suck

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