# Klarna Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Klarna the right Payment Processing solution for you? Explore 102 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/230509/Klarna/reviews --- Klarna 3.7 (102) [View alternatives](https://www.capterra.com/p/230509/Klarna/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated May 15th, 2026 # Reviews of Klarna Ease of use 4.0 Customer Service 3.4 ## Pros and Cons in Reviews LD Leo D Embedded software test engineerMachinery, 501 - 1,000 employeesUsed the software for: 1-2 years. “Smooth app, flexible payments, and enough reminders to make you question your life choices.“ April 9, 2026 LJ Lyn J Senior ManagerConstruction, 2 - 10 employeesUsed the software for: 1-2 years. “The only problem I have is that Klarna allows for individuals to overspend and not use debt as an asset.“ April 18, 2026 DG Damian G CTOComputer Software, Self-employedUsed the software for: Less than 6 months. “I like how seamless the checkout integration is for my clients stores.“ March 28, 2026 Temiloluwa E StudentHealth, Wellness and Fitness, Self-employedUsed the software for: More than 2 years. “The customer support can be a bit of a headache if you have to return an item and the merchant is taking their time.“ April 21, 2026 Temiloluwa E StudentHealth, Wellness and Fitness, Self-employedUsed the software for: More than 2 years. “The app is really easy to navigate and I like that it sends me reminders before a payment is due“ April 21, 2026 BS Bill S Owner PresidentConsumer Services, 11 - 50 employeesUsed the software for: 6-12 months. “Can’t sign in can’t get to chat with anybody your phone there and they can’t help me so don’t waste your time calling there and you can’t even delete the app because you have to be able to sign in which you can’t sign in.“ April 26, 2025 CK Clayton K Clerk TwoEducation Management, 1,001 - 5,000 employeesUsed the software for: 1-2 years. “I really enjoy using Klarna as my go to for payment credit. “ April 21, 2026 MC Martin C CEOConstruction, Self-employedUsed the software for: 6-12 months. “They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda.“ April 27, 2025 ## Showing most helpful reviews Showing 1-25 of 102 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use El-Hadj B. CEO Consumer Services Used the software for: 1-2 years ### "Number 1 of the pay in 4" May 27, 2026 5.0 Out out all pay in 4 options, and I’ve tried them ALL. Klarna is the easiest to use, and has the best terms in my opinion. Pros I like that they are essentially a credit card with much better terms. As a person with no so perfect credit, being able to make purchases without a 25% + apr looming over it, is an incredible option. Cons Fluctuating initial deposit amounts on similar amounts funded. The app sometimes fails to display available credit. Switched from [Affirm](https://www.capterra.com/p/218694/Affirm/) Klarna seems to have more availability across the net Review Source VR Verified Reviewer Student Health, Wellness and Fitness Used the software for: 2+ years ### "Makes shopping for big items much more affordable" April 21, 2026 5.0 Overall i have had a great experience using klarna for my online shopping. Its been super helpful for breaking up the cost of clothes or electronics into smaller chunks that fit my budget better. The app is really easy to navigate and I like that it sends me reminders before a payment is due so I dont accidentally miss one. It definitely makes me feel more in control of my spending as long as I dont overdo it with too many orders at once. Pros The best thing about klarna is the pay in 4 option because it makes bigger purchases feel way more manageable without having to pay interest like a credit card. I also really like the browser extension and the app interface because it lets you create a one time ghost card to shop basically anywhere even if the store doesnt officially partner with them. It makes the whole shopping experience feel a lot more modern. Cons The customer support can be a bit of a headache if you have to return an item and the merchant is taking their time. Review Source JD Julie D. Dispatcher Transportation/Trucking/Railroad Used the software for: 1-2 years ### "ADVISE TO STAY AWAY-TO AVOID STRESS" April 8, 2025 1.0 Horrible customer service is useless and there pretty much is no customer service. They will just keep repeating that it's computer generated. Pros Nothing it was overall stressful experience. Cons Worst app ever. They will punish you for an app that you trying to purchase from, having a glitch, then they put your purchase power down and make you pay more upfront, instead of 4 equal payments. Even though, you have never had issues making payments, and shop with them a lot, they don't care. They don't value their customers or their satisfaction at all. Customer service is useless, sorry but they are, always overseas representatives, who can do absolutely nothing to help you with your issues. Asked to speak to a manager over a month ago, and still have not heard back. Tried purchasing from Walmart, Walmart has a your message saying the time of delivery alot was taken, so it forced me to go back and checkout again. They charged my card twice, I got my money back though from Walmart, Walmart is great, but Klarna now is punishing me, put my purchase power down and makes me pay almost 3/4 of the amount of purchase upfront. Kind of defeats the purpose of the Klarna app doesn't it. So Walmart was having a glitch on their app, and Klarna is punishing me for it. Will never use this stupid app again, will pay what I owe and then never use them again. This is not worth the stress. Review Source LD Leo D. Embedded software test engineer Machinery Used the software for: 1-2 years ### "Klarna made shopping way too easy." April 9, 2026 5.0 Overall? Klarna is like a cheeky mate who buys you drinks you can’t afford – thrilling, a bit stressful, but oddly satisfying. Smooth app, flexible payments, and enough reminders to make you question your life choices. Would I do it again? Probably… with a stiff drink in hand. Pros Oh, where to start… I get to spend money I don’t have now and panic about it later. Brilliant app, easy payments, and somehow they make debt feel… fun. Cheers, Klarna! Cons Well, my bank account didn’t exactly throw me a party. Also, being reminded I owe money when I’ve conveniently forgotten… super fun. Oh, and late fees – because who doesn’t love a surprise bill?” Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Switched from PayPal because Klarna lets me buy now and stress about paying later – a much more thrilling experience, really Review Source CK Clayton K. Clerk Two Education Management Used the software for: 1-2 years ### "Klarna Review" April 21, 2026 4.0 I really enjoy using Klarna as my go to for payment credit. It's easy, straight forward, and has all the information you need readily available. Pros Easy to request credit and see the entirety of the loan details instantly. It also makes repayment much easier. Cons There are too many notifications and reminders that I can't seem to turn off. One per loan would be sufficient, but I get several for each loan. Review Source MC Martin C. CEO Construction Used the software for: 6-12 months ### "Worst and worst" April 27, 2025 1.0 They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda. This is the third email I've received asking for an explanation after explaining everything in a previous email and a phone call. It's over for me, and be careful in the future with companies like Klarna. Pros I have used Klarna several times because I found their service useful. I have never had any problems until now except... Cons Except now, this is where we see the real service when problems arise. I understand that Klarna is not Agoda, the company I dealt with, BUT if there was fraud, or whatever the problem, Klarna must protect me and make sure to give me service. They solved the first problem with Agoda and for the 2nd, it is very complicated and yet ... Switched from [Sezzle](https://www.capterra.com/p/195895/Sezzle/) Because you do not have a customer and claim service very high value. Any dispute is a mess Review Source cynthia R. Clinician Public Relations and Communications Used the software for: 2+ years ### "Satisfied customer " March 19, 2026 5.0 I use Klarna all the time and am always satisfied. I have made the best memories thanks to Klarna's pay later Pros Klarna allows me to make purchases for bigger items and pay them slowly. It allows me to expand on my credit also. Cons I don't always like the extra fees but it completely makes sense since they are basically letting you borrow money. Review Source AS ALFREDO S. LEAD Wholesale Used the software for: 1-2 years ### "HAPPY USING KLARNA" March 23, 2026 5.0 The payment processing is great and understanding. The interest is super low, much lower than a credit card. cybersecurity super important. Pros I like the app on my phone, super easy to use, excellent customer service. I love that it has payment methods and makes it easy to do your shopping. Cons I like everything, I can't say anything negative. Delighted with the system and the customer service. Review Source BT Brianna T. Editor Writing and Editing Used the software for: 2+ years ### "A good option to give your customers flexibility with payment " June 8, 2026 5.0 Pros Makes it easy for customers to choose higher-cost options because they can spread their payments out over time. Cons Klarna applications take off the page and require you to go to a different page to verify information/process the application. This can be distracting for users. Review Source ALEXANDER G. Owner head photographer Photography Used the software for: Less than 6 months ### "Klarna at your side " March 18, 2026 4.0 Pros Well Klarna has been a great option for me on many occasions. The availability is always going to be the best part Cons I have not had many things that I can criticize Klarna about. It’s always been a great option on many occasions Review Source Davide F. Tecnico Informatico Public Policy Used the software for: 2+ years ### "Fraziona le tue spese" March 6, 2026 5.0 Uso Klarna da circa due anni e onestamente è diventata una di quelle app che apro quasi ogni settimana. Il motivo principale? Le 3 rate senza interessi. Quando vedo qualcosa che voglio, invece di svuotare il conto in un colpo, pago 60€ ora e 60€ tra un mese e il resto dopo due mesi. Psicologicamente fa un'enorme differenza — non è debito, è flusso di cassa personale. La One-Time Card è la feature che uso di più: genero una carta virtuale al volo, la uso su qualsiasi sito, e Klarna copre il pagamento. Ho comprato su store che non supportano Klarna nativamente e funziona lo stesso. L'unica volta che mi sono innervosito è stata con un reso complicato: il venditore era lento, Klarna continuava a mandarmi reminder di pagamento e il supporto via chat ci ha messo qualche giorno a bloccare la rata. Alla fine si è risolto, ma lì ho capito che Klarna non è una banca tradizionale con tutele forti — sei in parte esposto alla qualità del venditore. In sintesi: se sei organizzato, sai quello che spendi e usi le rate come strumento e non come stampella, Klarna è uno strumento potente. Se invece tendi a perdere il controllo della spesa, il rischio è che ti ritrovi con 4-5 piani di pagamento aperti e un mal di testa mensile. Pros 1- Pagamento senza interessi in 3 rate: è la funzionalità distintiva di Klarna e l'applicazione è davvero ben fatta per gestirli come e quando vuoi, con la possibilità di spostarle le rate o pagarle in anticipo se vuoi 2- Puoi creare Carte usa e getta (virtuale), questo aumenta la sicurezza 3- Convenzioni/sconti di tantissimi partner e possibilità di cashback, che può essere messo anche nel "salvadanaio" che ti permette di generare rendimenti; Il prodotto che stai restituendo può essere segnalato a Klarna tramite l'app, che sospenderà il pagamento fino alla ricezione del reso. Klarna ha una politica di protezione antifrode zero; eventuali addebiti non autorizzati possono essere elaborati tramite questo programma. 4-L'app include una funzionalità per il tracciamento integrato della spedizione, infatti puoi ricevere aggiornamenti in tempo reale sulle consegne, sugli orari di arrivo e sulle foto del ritiro tutto nella stessa app di klarna Cons 1\. Servizio clienti lento e frustrante Nonostante il passaggio a un modello ibrido AI + umano, il servizio clienti resta lento e difficile da contattare, infatti i tempi per risolvere problemi urgenti possono essere di diversi giorni e non sempre riesci a risolvere il problema, spero che possono migliorare su questo. Per il resto, è ottima Review Source AB Amile B. AP Controller Retail Used the software for: 1-2 years ### "Paying Interest-free for 3 months is helpful" February 24, 2025 5.0 It has been great when you have to manage your monthly spending budget. I get to spread a costly item over 3 months. And I am able to get a luxury item because of Klarna knowing I will get it paid for 3 months only. Just making sure I am not spending on the next 2 months. So then I get to splurge myself 4 times a year. Girl math. Ha ha Pros The 3 installment or pay in 30 days option interest free is a great way to get that item you wanted that is a bit over your monthly spending budget. Paying over 3 months is helpful. Cons I think some of the shops are still not using Klarna but it’s getting there. As Klarna is becoming so popular, I wouldn’t be surprised if all of the shops will opt to use their payment platform. Review Source KM Kortney M. Owner Luxury Goods & Jewelry Used the software for: 1-2 years ### "Good extra way to pay, used by online stores more and more " February 5, 2025 4.0 Good tool that was suggested by a customer who was a regular Klarna user. Provided customers an extra way to pay. Pros Have the ability to my customers to pay for their purchases in instalments. Cons The relatively long wait to receive the payments Review Source KM Kendall M. Owner Retail Used the software for: 1-2 years ### "Klarna for the win!" November 22, 2024 5.0 Pros It is a very helpful product. I use it for many of my everyday purchases. Cons Nothing, I believe it is perfect for those who are on a budget and need flexibilty. Review Source JW Jordyn W. Student Trainer Retail Used the software for: Less than 6 months ### "A Must Need for Shoppers" February 9, 2023 5.0 Overall, I've had a great experience with Klarna, and it's made paying off larger expenses easier without worrying about interest. Pros I like that there is no interest; I can slowly pay off large purchases with four payments every other week without worrying about it affecting my credit or adding up. In addition, Klarna allows you to extend your payment if you cannot afford it at the next payment date. The app will enable you to shop through brands that use Klarna, which takes care of the hassle of making sure a brand uses Klarna. Cons I don't like that this option is not used for a lot of brands and online stores, however, it is becoming popular. Review Source SB Sarah B. Research Analyst Market Research Used the software for: 2+ years ### "Gain Everything For The Same Price" August 16, 2023 5.0 Pros Klarna is necessary; especially after COVID. The ability to afford things for your home and still take care of your kids is difficult considering all the business foreclosures. Making payments every week or every other week is more than ideal when having to make sure your bills are paid but also have the things you need. Zero interest is a plus, I feel, why not use Klarna? You gain to lose nothing. Cons I do not like how Klarna checks for approval while simply using the site and after an approval; meaning, if they approve you within that moment, if you do not spend the money right then, later on in the day you can come right back when you have free time and you could be denied spending power or your limit could be decreased. Klarna claims they have no control over the way that is dealt with but it is hard to believe. Review Source SA Sandra A. Head of accounting Internet Used the software for: 6-12 months ### "Not my favourite payment method " December 28, 2023 2.0 Pros You can reach customers you can’t reach with other payment methods Cons They give options to customers that result in disputes, for example they offer that customer can pay after receiving the product when it is not our policy. It is impossible to contact customer service. They algo give no option to answer disputes so any incident results in a loss of money for the company, encouraging fraud Review Source JP Jailene P. SERVICE WRITER Automotive Used the software for: 2+ years ### "easy to use" December 7, 2022 5.0 It is great to use when we do not have the money immediately offhand to purchase an important tool. Pros The simplicity of finding places that support Klarna is great. A lot of businesses support them so it is easy to split expensive items into small payments. Cons It can cause a detriment to your credit score. It adds the number of open accounts which can make it lower. Review Source Melissa T. Deli Associate Supermarkets Used the software for: 6-12 months ### "Preferred payment plan app" November 9, 2021 5.0 For an app that I found by accident, & just in general, its by far the best when using any payment plan service. Interest free & easy to use with a wide variety of stores to shop at Pros Its easy to get approved & there are tons of different places to shop at, online AND in person. With the "one-time" card you are given, shopping online or in person is easy, smooth & fast Cons It takes awhile to catch up, almost like when your wifi signal is poor or you're running out of data. It takes a bit longer to load than the normal length that most people are used to Review Source MB Michael B. Private Security Consumer Services Used the software for: 2+ years ### "Klarna: Easy, Affordable Non Credit Payment Option " September 11, 2021 5.0 Klarna has made purchases possible for me as I rebuild my credit. Klarna is an available option when making a big plan. Pros Klarna is an easy to use payment option that many online stores offer in addition to credit cards. Through Klarna one may choose an option of four payments spaced out over a two month time period every two weeks to make paying for larger costing items more easy. Through Klarnas Ap one can also choose to create a one time use card and use it in any store and choose between 6 month, 12 month, 18 month and even 24 month payment cycles, paying one payment each month. Cons Klarna charges a small interest rate which increases the overall purchases amount to an affordable and acceptable rate for using their services. Review Source CD Carlisbeth D. Lead deck ambassador Sports Used the software for: 1-2 years ### "LOVE this software" November 19, 2023 5.0 Pros I LOVE this software and how easy it is to use. It allows you to use in app but also on regular browser Cons They used to have better reward offers before, but not anymore Review Source SS Shana S. Property Manager Real Estate Used the software for: 2+ years ### "Klarna is a nice thing to have!" April 1, 2024 5.0 Pros I've enjoyed the privilege of being able to pay for my items over time using Klarna. It is easy to use and great for helping with larger purchases. Cons There is nothing for me to complain about. Review Source JE JoAnn E. Artist Arts and Crafts Used the software for: 6-12 months ### "Klarna is great" October 15, 2022 4.0 Klarna helped me get things when I was a little short with my money Pros I love the idea behind Klarna. A payment plan for everything you need to buy Cons I dislike nothing about this software. I think it’s a great concept Review Source JH Johnny H. Production worker Warehousing Used the software for: 1-2 years ### "4 easy payments " August 22, 2023 5.0 Pros I like that you can split up the payments in 4 ways. That helps big time Cons I don’t have anyway complaints as of now Review Source CS Chrissy S. Admin Asst Medical Practice Used the software for: 2+ years ### "Easiest Way to Pay Over Time -Zero Interest" July 29, 2022 5.0 Pros This software is so easy and connivant to use! Cons Nothing about this software is a Con-- it works great! 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