Is Klarna: Smarter everyday money good for pay-in-4 and payment plans?
Reviews are strongly mixed, but the clearest praise is for Klarna’s payment-plan use case. Positive reviewers say it helps them spread out purchases, shop when they cannot pay all at once, and make payments online. That said, the same review set also shows that getting a payment plan is not guaranteed, so the app may be useful for budgeting only if Klarna approves the purchase you want.
This app runs fast and smooth for me and has for around 5 years. I'm not rich but Klarna has helped me so much to spread the cost on many different items I have needed and wanted. Having the option to pay in full, pay in 3 or pay in 30 days is amazing. The app layout is easy to navigate which helps when looking to do certain things. The customer service is very helpful and fast at responding when they are called up on. 🤌💙
great options if you want to get something but can't pay for it all at once also helps build up credit for future purchases
Love Klarna allowed you to purchase items and pay monthly
reviewers mentioned this in the last 60 days
Why does Klarna: Smarter everyday money decline purchases when I have spending power?
Several reviewers complain that Klarna shows available spending power, credit, or a limit, then still declines a purchase or asks for a larger down payment. The reviews describe this as unpredictable and difficult to plan around, including from users who say they paid on time or have strong credit. Based on these reviews, Klarna’s displayed spending power should not be treated as a firm approval.
Say I have 700$ spending power, then declined a pay in 4 at Walmart for 250$. They wanted over 100$ down. HERE THE BAD PART! They sent me an email saying they CHECKED MY CREDIT! IF YOU ARE WORKING ON YOUR CREDIT GO ELSEWHERE. Supposed to have a 1200$ limit and can only use around 400$ of it. dont do it ! there are better apps ans bnpl apps and services.
Good overall, but I wish they would actually tell you your spending potential. They used to give you an estimated number of what you could be approved to spend. Now you have to apply on every single purchase and it will give you a number or decline. I liked knowing what I could possibly spend beforehand, because then I can plan the purchase out instead of crossing my fingers and hoping for an approval. Sezzle and Zip give you an estimated dollar value, so you know before you are start shopping.
Random payment options declined or verification problems even if is very clear identity and approved by state credit limit. Can not count it as a reliable payment when needed. System also delayed to take the payment previously and I had to go manually with a card that has already a big amount deposit. I was using in the stores also. They need upgrades in the system, so it runs reliably. I ve had the latest version installed and support was not so helpful
reviewers mentioned this in the last 60 days
Does Klarna: Smarter everyday money help or hurt your credit score?
Reviews do not give one simple answer. Some users say Klarna helped raise or build their credit, while others warn about credit checks or denials affecting credit. The app description specifically says applying for the Klarna Card has no credit impact, but reviewers are talking about broader payment-plan and purchase decisions. If credit impact matters to you, the reviews suggest reading Klarna’s approval and financing terms carefully before relying on it.
I can use it easily! It's helped raise my credit score!
awesome way to build credit and easy way to pay off expenses highly recommend if your tight on money and looking to build credit as well
Say I have 700$ spending power, then declined a pay in 4 at Walmart for 250$. They wanted over 100$ down. HERE THE BAD PART! They sent me an email saying they CHECKED MY CREDIT! IF YOU ARE WORKING ON YOUR CREDIT GO ELSEWHERE. Supposed to have a 1200$ limit and can only use around 400$ of it. dont do it ! there are better apps ans bnpl apps and services.
reviewers mentioned this in the last 60 days
Does Klarna: Smarter everyday money have login, crash, or slow loading problems?
Recent reviews contain many complaints about reliability: slow startup, crashes, freezes, repeated logins, one-time codes, and the app failing when the user needs it in a store. A few reviewers say it runs smoothly for them, so the problem is not universal, but the negative reports are serious enough that prospective users should not assume the app will always be ready at checkout.
Extremely dysfunctional app. Always shutting down, not remembering credentials, reverify identity again and again, and not even start. It freezes when in use and restarts purchase process. Klarna itself has a lot of options, and it's a good service but this application is terribly done. just do it over the website, this app ain't it. (update) App doesn't even start on separate devices. Basic trouble shooting like clear cache, update phone, is not the problem. FIX the dysfunctional app.
you can't log me out and then when I need to use the app at a store I have to jump through 20 hoops to log in and hold up the entire line. terrible app
App crashes all the time. I cannot confirm payments or use it normally. It was really good at the beginning but now I barely can use it.
reviewers mentioned this in the last 60 days
Is Klarna: Smarter everyday money a good replacement for Stocard loyalty cards?
For users who only want loyalty-card storage, recent reviews are mostly negative. Former Stocard users complain that Klarna is slower, asks for PINs or logins at checkout, may need internet, and can force updates when they just want to show a card. Some reviewers say they moved their loyalty cards to other apps instead.
I never use this for anything except storing loyalty cards, and it asks me to update the app every time I open it (I only use it every other week or so). This means I am always standing in line, holding up other people while I wait for the app to update, which it doesn't need to do in order for me to even access my loyalty card information! RIP Stocard. Forever in our hearts. Uninstalling this app and finding something else.
This app took over from my stocard and has been useless with my Tesco card, as unable to bring up the Tesco card without internet. still rubbish app, unable to open for loyalty cards
Forced to move here from Stocard. I will just move my cards to FOSS app, eat shorts Klarna. Update 2026: moved to catima that is free, simple and open source.
reviewers mentioned this in the last 60 days
Why does Klarna: Smarter everyday money keep asking for identity verification or a selfie?
Reviewers report repeated identity checks, selfie or photo-ID requests, and verification failures that block account access or payments. The complaints are not just about being asked to verify; they also say the verification process fails, loops, or lacks a useful backup route when it does not work.
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.
I have verified 4 different ways (cellphone code, email code and klarna 7 code # AND the with the passkey) why do I have to ALSO provide a photo to access my account. I'm trying to make a payments but I have to provide 5 ways to verify it's me are you going to also want blood to verify it's me?? Over it!
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
reviewers mentioned this in the last 60 days
Did the new Klarna: Smarter everyday money update make the app harder to use?
Recent reviewers repeatedly criticize the new design or UI update. The common complaints are that the app became confusing, harder to navigate, less user friendly, and worse for managing payments. Some users explicitly say the previous interface was better.
Klarna is amazing, but this recent UI update feels like a big step backwards. The previous design was cleaner, simpler and much easier to navigate. The new floating tab feels unnecessary and cluttered. This screen should be the landing page, with everything important clearly accessible. Please reconsider this redesign—the previous UI was genuinely much better.
With a new interface, it's hard to manage payments. With the previous interface more easier to look at upcoming payments and manage them.
new design of the Klarna app is almost impossible to use. The last update in August destroyed the great user experience Klarna had on mobile.
reviewers mentioned this in the last 60 days
Is Klarna: Smarter everyday money customer service helpful?
The reviews are split. Some users say customer service is helpful and fast, while others describe AI support loops, busy phone lines, no email option, or unresolved payment-card problems. If you expect human support, the negative reviews suggest that reaching a real person may be frustrating in some cases.
The customer service is very helpful and fast at responding when they are called up on. 🤌💙
Lost acces to phone number on account have no way of accessing live chat as cant login. Always says service is busy when phoning either number provided. States select lost access to phone number online but that option is not there when trying to login. How can a company as big as this not have email options or even have the right information out there. Clearpay was easier to sort out and much more customer friendly.
This was a great app until last week, when I suddenly began receiving repeated notifications that my credit card was declined. I contacted my card provider and confirmed there are no issues with my card or account. I’ve tried resolving the issue through chat support but have received no explanation or solution. This is extremely frustrating, especially since everything worked perfectly before. I would appreciate a prompt explanation and resolution.
reviewers mentioned this in the last 60 days
Does Klarna: Smarter everyday money have payment, autopay, or refund problems?
Some reviewers describe payment-related problems beyond normal approvals: being charged after paying early, autopay running earlier than expected, confusing payment sections, statement mismatches, and slow refunds. These reviews suggest users should monitor due dates, bank activity, statements, and refunds closely rather than assuming the app’s payment records are always clear.
I paid off my pay in 4 plan early and Klarna charged me again!
Set up auto pay and it says it failed for nsf. Because they put it thru 3 days early. Duh.
I don't like how it's setup with auto pay payments on one area and non auto pay payments in another section. Put all payments in the same place. I have to go back and fourth. Leave it how it was at the beginning. I'm thinking this is intentional so we can miss payments and get charged a late fee. Change it back! Your refunds take forever as well. PayPal, Afterpay and Affirm process the same day.
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.