Klarna

Klarna Klarna for Android brings flexible payments, store perks, and smart reminders. Split purchases interest-free, defer for 30 days, track balances, and earn cashback on select stores.

Klarna

Klarna is designed to give you a new, flexible way to pay. With the app, you can buy the things you want wherever Klarna is available, then choose how and when you pay—either through interest-free installments or a one-time payment. This helps take the edge off short-term spending pressure.

Klarna works with hundreds of stores, so you can access extra discounts and member-only perks that help you save more. It also includes a built-in search tool: type in what you’re looking for to find products and compare prices across different store types for a smoother shopping experience. Plus, Klarna offers a loan feature—if you complete the eligibility check, you may receive a small allowance to support your needs.

Key features

The app gives you a clear snapshot of your purchases, upcoming payments, and any remaining balances. Turn on push notification reminders to get timely alerts about what you owe, so you can stay on schedule and avoid missed payments.

Klarna supports multiple payment choices to match your shopping style. You can:

• Pay now



• Split your total into four interest-free payments
• Defer payment for 30 days

For shoppers who prefer more time, Klarna also allows plans that spread payments over a longer period—so you can keep shopping while staying in control of your budget.

You can also earn cashback through the Klarna app. When you shop at participating retailers, you can receive up to 10% cashback, which is added directly to your Klarna balance. The cashback process is simple and doesn’t require complicated points tracking—making rewards easy to understand and use on future purchases.

Another standout option is the Klarna Card. It expands Klarna beyond online shopping, letting you pay anywhere Visa is accepted—such as coffee shops, malls, and restaurants. Payments can be made later or spread out over time, including when you’re traveling abroad, without extra foreign exchange fees. The Klarna Card also has no monthly or annual fees.

Highlights

Buy Now, Pay Later—Simplified

Klarna makes it easy to shop online and spread the cost. With its pay-in-4 option, you can split your purchase into four equal payments with no interest. This is especially helpful if you want better cash flow or you’re taking advantage of a sale without paying the full amount immediately.

Large Merchant Network

Klarna is available across a wide range of retailers, with access to 250,000+ merchants worldwide. Popular brands include Amazon, Walmart, Adidas, and many more. You can browse inside Klarna or use it at supported checkout screens.

For additional flexibility, Klarna integrates with Google Pay for in-store payments—supporting both online and offline purchases.

Deals and Automatic Savings

Klarna highlights discounts and offers tailored to you each day. The Collections tab is a key feature: save items there and get alerts when prices drop. You can also share collections with friends or family for shared planning, gifting, or group shopping.

Rewards and Perks

Klarna includes a free rewards club. After you sign up and make your first qualifying payment, you receive a $5 shopping reward. As you continue shopping, you build points that unlock additional benefits—helping frequent users get more value from every transaction.

User reviews of Klarna

• “As a single parent I always looked for ways to budget my money or make purchases between pay days. With Klarna I'm able to purchase everything I need all the time… Even though money isn't tight anymore I still use the 2 week payment options. Thank you Klarna!”

• “Love Klarna… It has been very nice to be able to get something that I could normally not afford given that I have a weekly paycheck. Money comes in often, but I don't always have it reflecting in my credit score. They were able to see that I have money coming in… I would highly recommend!”

• “This app has saved my situation so many times… especially when I didn't have enough to buy groceries. I was able to set up a plan with them and shop for groceries.”