Is Klarna a scam?
No. Klarna is a regulated financial company whose loans are issued through a partner bank, and it is used by tens of millions of people. However, a number of recent reviewers use the word scam out of frustration, mostly after being abruptly refused pay-later options despite good credit and a clean payment history, or after being locked out over identity checks.
absolute scam. 780 credit score and they tell me I'm not eligible for payment plans. never used them before, clearly good enough credit. they just want to pray on the people that can't handle money correctly where they know they will make money, not someone who just doesn't want to drop $1500 on a phone immediately. AVOID AVOID AVOID
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reviewers mentioned this in the last 60 days
Is Klarna legit and safe?
Yes, it is a legitimate regulated company and balance deposits are held at a partner bank. Some reviewers raise concerns about the amount of data the app collects and about targeted advertising, so review the privacy settings, but there is no indication of fraud.
app collects your data. spies on you and your activity.
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reviewers mentioned this in the last 60 days
Why is Klarna suddenly denying me pay-in-4 or pay later even with good credit?
This is a leading recent complaint. Reviewers with strong credit scores and long, on-time histories report being declined for every payment option until all became unavailable, or having a limit cut from thousands to a few hundred. Reviewers say approval decisions are automated and that support could not explain them.
why can't I use any of the payment options like pay later in 30 days anymore? even though I still have available credit as the app shows, I got denied every time I tried an option until all became unavailable . BTW I always paid klarna on time, and now I get denied access for my laughable 300 € credit while previously my credit limit was 5k 😑. I don't understand why would this be happening, must be a system error The Klarna Banking app used to be the G.O.A.T but now.. it just a waste of time
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reviewers mentioned this in the last 60 days
Why does Klarna keep asking me to verify my identity, and why does it keep failing?
Many recent reviewers describe a new identity-verification step, selfie, document upload, passkey, that repeatedly fails with a technical error and locks them out of the account, sometimes for weeks. Reviewers say there is no fallback when the verification system itself fails.
fix your app keeps telling to verify my identity I do everything it says to do and just keeps failing and says a technical error occurred try again later
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reviewers mentioned this in the last 60 days
How do I reach a real person at Klarna customer service?
Recent reviewers say this has become very hard: support chat is AI-only, and several report being unable to reach a human even as paying members entitled to enhanced support, with one AI handing off to another. Reviewers who resolved billing issues often did so through their card issuer instead.
Klarna all of a sudden requires an identity verification. I've been trying for weeks and it keeps failing. When I tried to contact support, it was AI. I wanted a live support agent because I pay monthly for the benefit of enhanced support. Well, they're stealing our money and laughing to the bank, because the AI "transferred" me to another AI that kept lying and saying it wasn't. Apparently there's no backup process for when their verification system fails, which makes the membership useless.
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reviewers mentioned this in the last 60 days
Why is the Klarna app so slow, and why do I have to log in every time for my loyalty cards?
Since Klarna absorbed the Stocard loyalty-card app, many reviewers say it is much slower than Stocard was and prompts for a PIN or login every time they need a loyalty card at a checkout. Several also report the loyalty-card widget breaking after an update. Reviewers describe switching to dedicated loyalty-card apps.
Klarna is probably the slowest loyalty card app. Stocard was 100% faster. Finally leaving Klarna. I got tired of its sluggish performance and the annoying PIN prompt every time I needed a loyalty card while standing at the checkout and the seemingly random order of my cards. Switched to Catima instead – it's fast, simple, and does exactly what I need.
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reviewers mentioned this in the last 60 days
Why doesn't Klarna raise my spending limit after I pay off orders on time?
Reviewers report paying off multiple orders consecutively without a single late payment and still seeing the same low spending limit. Klarna's limits are set dynamically and, per reviewers, do not reliably increase with a good repayment record.
Good option if you wanna pay in 4 payments, I just wish they would raise your limit once you've paid off multiple orders without being late!! I've paid off 6 orders consecutively without being late and my spending limits still $200.
1
reviewer mentioned this in the last 60 days
Why did the Klarna app change everything with the new update?
A recent redesign is unpopular with many reviewers, who say the new interface makes it harder to see and manage upcoming payments than the previous layout. This is a design complaint rather than a bug, but it is widespread in recent feedback.
With a new interface, it's hard to manage payments. With the previous interface more easier to look at upcoming payments and manage them.
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reviewers mentioned this in the last 60 days
Answers above are generated from real Google Play reviews of Klarna: Smarter everyday money, not editorial opinion.