Klarna review: Flexible payments for online shopping

Many of your favourite shops will offer payment through Klarna – a scheme that allows you to slice up your payments over time or wait up to 30 days to make your first payment. The brand has just launched a Visa card that allows you to pay up to 30 days later.

You can check out our full list of retailers offering Klarna here.

How does Klarna work?

Klarna partners with a huge range of brands like boohoo, ASOS and PrettyLittleThing. When you shop with one of these stores, you can select Klarna as your payment method at the checkout.

In the UK, Klarna doesn’t charge any interest on its “Pay in 30 days” or “Pay in 3 instalments” plans. But the service’s “Financing” option is more like a credit card and this does charge interest (representative APR 18.9% variable). You can find out more about each plan below.

Klarna offers 4 payment structures for delaying payments for those who want to pay via Klarna:

• Pay in 30 days. This is a credit option that allows you to complete your order without paying. After your goods are shipped, you’ll receive an invoice with up to 30 days to pay the full amount.
• Pay in 3 instalments. This credit option allows you to spread the cost of your purchase equally over 2 months. It requires an affordability assessment (not a full credit check) and no interest is charged. Payments are due first at the time of ordering, and then 30 and 60 days later.
• Financing. This is a regulated financial service and it allows you to split your payments into monthly instalments over 6-36 months. Like a loan or a credit card, it requires a full credit check and can charge interest, which currently has a representative APR of 18.9%. At the checkout, you can choose the term of the finance deal and you’ll be told how much interest will be payable – retailers have the option to offer different deals. You have to pay at least the minimum amount each month (if you only pay the minimum, though, this will increase the total interest amount). Your monthly statement will show an “interest-saver” amount and paying this will keep you on track to repay your purchase within the originally agreed deal. Your credit score can be impacted by the Financing option.
• Sofort Also known as ‘Pay Now’, Sofort allows you to make a fast and easy payment of your online purchases using your online banking details.

How to use Klarna: Step-by-step video

Features of shopping with Klarna

• No annual fee. You’ll never pay a maintenance fee to use Klarna.
  
• Zero-interest options. If you choose “Pay in 30 days” or “Pay in 3 instalments”, you’ll pay no interest on your purchase.
• Autopay. You can set up automatic minimum payments from your bank account to your Klarna account.
• Secure. Klarna has an anti-fraud protection policy. If you see an unauthorised purchase with your account, report the problem to Klarna and the company says it will make it right.

• Easy-to-use app. Manage your payments, report and manage returns and chat with customer service 24/7 from your smartphone.
• Payment reminders. Klarna gives you a nudge 2 days before each payment is due.
• Refunds. Request a refund for your order and receive your money within 14 days.
• Digital wallet. In the Klarna App, you have the option to store all your physical store loyalty cards as digital versions.

• Warning: Late repayments can cause you serious money problems. For help, contact the government’s free money advice website, MoneyHelper.

How much does Klarna cost?

You pay no annual fees to use Klarna, but there is interest to pay on the Financing option. For this, you’ll be told the terms of the finance deal, including any interest payable, upfront. The highest APR rate on Financing is 18.9%. Retailers may offer different APR rates, but they’ll never be more than 18.9%. Klarna charges a late payment fee of up to £5.

Is Klarna safe?

Klarna stores and transmits your personal and financial details securely both online and offline. It has a Fraud Protection Promise that states it will work with you to investigate if you report suspicious activity or a fraud attempt.

“Where this investigation confirms that you have been a victim of fraud…rest assured that Klarna shall not expect you to pay for the fraudulent purchase,” it continues. There is an exception if Klarna believes you’ve acted negligently – for example, by not properly protecting your account information or personal information.

Klarna’s Buyer Protection Policy states that your dispute is with the retailer and details how to log any issue with a product in the Klarna app or online. Klarna says it can pause your payment due date while you work out a solution with the retailer.

The buy now, pay later (BNPL) sector faces being regulated; ahead of this, Klarna launched its own Complaints Adjudicator. Customers can request an “impartial review” relating to “Pay in 30 days” or “Pay in 3 instalments” issues if they feel their complaint wasn’t properly handled.

What is Klarna opt out?

Opt out is a new tool available in Klarna’s app which stops you from using more credit and taking on more debt, the first of its kind in the UK. Customers can use this feature as a “pre-decision” to stop them from using credit.

You can turn on this feature by clicking on the ‘settings’ tab in the Klarna app and select ‘deactivate credit’, then you’ll then be taken to a support page on how to deal with indebtedness. You’ll no longer be able to use Klarna Pay in 30, Pay in 3 or Financing products. To turn off this feature, contact Klarna’s customer service team.

How do I sign up for Klarna?

You must be at least 18 years old and shop with a retailer that offers Klarna at checkout to sign up for an account. All you need to do is select “Klarna” at this stage and complete the short application on the next page. You’ll know instantly if you’re approved for one of these plans or not.

To use Klarna’s app, create an account online with your email or download the app on your mobile device.

Which shops offer Klarna?

You can browse the full list of Klarna retailers here.

ASOS

Pay later!

Shop with Klarna at ASOS to buy now and pay later

Try before you buy when you choose the 'Pay later' option with Klarna at the ASOS checkout! T&Cs apply.

Details

Get deal

Pay later!

Lovehoney

Pay later!

Shop now, pay later with Klarna

Klarna payment is now available at Lovehoney. Buy now and pay in 3 today! T&Cs apply.

Details

Get deal

Pay later!

boohoo

Klarna

Shop now, pay later with Klarna

Shop boohoo now and pay for your order later with Klarna. Want to learn more? Use the search bar to find our full Klarna review. T&Cs apply.

Details

Get deal

Klarna

Schuh

Buy now, pay later with Klarna

Shop the latest footwear styles at Schuh right now and pay in three easy payments with Klarna. T&Cs apply

Details

Get deal

What other features does Klarna offer?

Set to launch later this year, Klarna is introducing a customer support programme for those struggling to repay their balance. Customers with long-overdue payments will be contacted by Klarna and offered to waive 50% of their balance. Customers will have to pay the remainding balance.

We spoke to Klarna commercial director Russ Carroll about why it’s different

Is Klarna easy to use?

Finder’s BNPL expert Amelia Glean answers

Klarna offers multiple BNPL plans to suit most people, but in terms of user experience, what is Klarna really like?

1. Seamless checkout experience

The process is quick and easy to follow. Once you’ve navigated to the checkout on a retailer’s website, you need to select your Klarna repayment method (choose between credit options “Pay in 30 days” and “Pay in 3 instalments” or “Financing”, which is the finance option). Once you’ve done this, enter your email address and shipping details. At this point, you’ll know if you can use the service or not.

Klarna runs a soft credit check on you if you’re applying for a credit option (“Pay in 30 days” or “Pay in 3 instalments”) to determine if you will be able to pay the money back. This doesn’t affect your credit rating. If you’re applying for “Financing”, Klarna might perform a credit check with a credit reference agency. This credit check will show up as an inquiry on your credit report and might impact your credit score.

Once approved by Klarna, you’ll receive confirmation of your repayment plan by email. Be sure to set reminders for these repayment dates (although Klarna will also send you email reminders and push notifications if you’re using the app to jog your memory should you forget). If you’re declined, it’s worth getting in touch with Klarna to find out why.

2. Range of plans to choose from

If you’re looking to shop online and try something on before you buy, you can opt for the interest-free “Pay in 30 days” option. This gives you ample time to get your item delivered, try it on and return it before the money even comes out of your account. If you like the item and want to keep it, you can pay Klarna back before the 30-day deadline. The “Pay in 3 instalments” plan may suit some shoppers better. The money is taken automatically from your linked account and can work better for those on a weekly budget. Other shoppers may prefer to pay for larger ticket items via Klarna’s Financing option. Be sure you understand all the terms and conditions if you choose this option, though – you may be charged interest and it could affect your credit score.

3. A cracking app

Use Klarna regularly? Chances are you’ll benefit from downloading the Klarna app. It’s easy to navigate when it comes to managing payments, but there are more advanced features, too. These include up-to-date deals from retailers, wish-list tabs and a spending tracker to keep on top of your outgoings all in one place. But the best feature? You can shop with your favourite retailers in the Klarna app itself, which saves a load of your precious time!

What happens if I make a late payment?

On March 16th 2023, Klarna began charging a fee of up to £5 for all late payments. If you place an order valued at £20 or above, you’ll be charged £5 if you miss your payment. If your order is below £20, your late payment fee will be under £5. The fee is also capped at 25% of your order.

If you do miss your payment, Klarna won’t charge you until after a 7 day grace period and sent you 4 reminders. Until April 27th 2023, you can waive the late repayment fee by completing a financial awareness test, dubbed the ‘Never Forget’ test, in the Klarna app.

It’s important to note that Klarna reports purchases paid on time, late payments and unpaid purchases to both Experian and TransUnion, but at the moment, it does not affect your credit score. To learn more, read our full guide.

What can I do if something goes wrong?

In most cases, your experience with Klarna will run smoothly. But on the off chance that you encounter a problem, check out Klarna’s list of frequently asked questions. Can’t find your question on there? Chat online with a member of the customer services team or call 020 300 50833.

How many shoppers use Klarna?

Klarna reports that it currently has 16 million shoppers in the UK with 1 million clicks from Klarna UK stores out to merchants per month.

Klarna customer reviews

Klarna has a large number of online reviews. On Trustpilot, the brand scores 3.9 out of 5 stars based on over 155,000 reviews, with a rating of “Great”, as of March 2023.

On Google Play, there are over 300,000 reviews, and the brand receives a score of 4.5 out of 5 stars. On the App Store, Klarna gets 4.8 stars out of 5, as of February 2023, based on over 870,000 ratings.

Pros and cons of Klarna

Our verdict: Is Klarna any good?

Klarna is the most popular BNPL platform in the UK. It’s slick, easy to use and fun – but it has also come in for criticism for making it easy to get into debt.

The platform covers mindful spending to discourage shoppers from over-using it, but some shoppers have spent more than they could afford. As always, make sure you’ve read and understood the small print before you sign up, and only use Klarna’s services if you’re sure you can pay the money in time.

There are 3 different BNPL plans to choose from, including an option that allows you to “try before you buy”. Klarna has partnered with just about any retailer that offers a BNPL option at checkout, and you’ll pay no interest on its “Pay in 3 instalments” or “Pay in 30 days” plans. Using these is pretty straightforward and can work well for shoppers who can repay on time.

How can I contact Klarna?

Klarna can be contacted via the Klarna app, instant 24/7 web chat or through phone at 020 300 50833 local rate or 0808 189 3333 freephone.

Frequently asked questions

• Does Klarna charge a late payment fee?

  Yes, Klarna charges a late payment fee of up to £5. If you place an order valued at £20 or above, you’ll be charged £5 if you miss your payment. If your order is below £20, your late payment fee will be under £5. The fee is also capped at 25% of your order.

• Does Klarna do a credit check?

  Yes, depending on the option you select. Klarna will do an affordability assessment (soft credit check) if you choose its “Pay in 3 instalments” or “Pay in 30 days” credit options. It will conduct a full credit check if you choose its “Financing” option. Please remember that full credit checks can negatively affect your credit score.

• How do I return an order?

  Contact the retailer you purchased your item from and follow its returns policy.

  All returns are subject to the retailer’s return policy. If you have a specific concern or dispute, contact Klarna’s customer service.

• Where do I go to manage my payments?

  Log in to your online Klarna account or use the mobile app to view and manage your open payments.

• Where can I shop with Klarna?

  Klarna is available as a payment method at almost 3,000 stores and is even available at dental offices, tattoo parlours and driving instructors. You can see a full, updated list of shops and services that offer Klarna here.

• Is Klarna only 4 payments?

  No, Klarna has 3 payment options: “Pay in 30 days” (one payment 30 days after purchase), “Pay in 3 instalments” (3 equal payments) or “Financing” (split your payment into multiple repayment depending on your financial circumstances).

• Why has Klarna stopped accepting my orders?

  Klarna runs affordability checks on customers (and full credit checks if you opt for the “Financing” option) before accepting orders. If your financial status has changed recently, Klarna may not allow you to make orders. Klarna will also reject any future orders from customers who have missed payments on previous orders until those payments have been made.

• Is Klarna the same as Clearpay?

  Klarna and Clearpay are both buy now, pay later services that allow shoppers to split their online shopping totals into small payments. But, Klarna and Clearpay work quite differently, with Klarna offering 3 payment options, including a traditional financing option, and Clearpay offering just 1 payment option of 4 equal payments.

• How do I set up a Klarna account?

  You can either set up a Klarna account directly on Klarna’s website or by downloading the Klarna app. You can also choose Klarna as the payment method at your favourite retailer and you will be redirected to Klarna’s account creation page from there. You’ll need to enter information including your phone number and email address as well as selecting a payment method for Klarna to take your future payments from.

• Will I be accepted for Klarna?

  For Klarna’s “Pay in 30 days” and “Pay in 3 instalments” credit options, Klarna runs “affordability checks” before accepting orders. For its “Financing” option, Klarna will run a full credit check before accepting a customer’s order. If Klarna finds you are likely to be able to afford repayments and have repaid any previous Klarna orders on time, you’re likely to be accepted for your order.

• Is Klarna trustworthy?

  Klarna began business as a bank in Sweden and so has all the proper licences and protections of a licensed financial institution. This makes it safe to use Klarna as a payment method.

• Does Klarna ever increase my credit limit?

  Yes, Klarna’s credit limit increases depending on your repayment status and how long you’ve been a customer at Klarna. The more orders you successfully pay back to Klarna on time, the higher your future credit limit will be.

• Does Klarna report to credit reference agencies?

  Yes, Klarna has recently announced that it will report UK consumer purchases paid on time, late payments and unpaid purchases for Pay in 30 and Pay in 3 orders made to both Experian and TransUnion.

• Is Klarna legit?

  Klarna is one of the most popular buy now, pay later services in the world and is a legitimate payment method.

• Can you be declined for Klarna?

  Yes, Klarna does not accept 100% of orders. Klarna will run an affordability check on you before accepting your first order and will take into account previous Klarna orders when deciding on your future credit limit and whether you’re allowed multiple orders at once.

• When does Klarna take its first payment?

  If you choose the “Pay in 30 days” credit option, Klarna will not take any money at the time of ordering. If you choose the “Pay in 3 instalments” credit option, Klarna will take the first of these 3 payments when you confirm your order. If you choose Klarna’s “Financing” option, then Klarna will take the first of however many payments you decide on when you confirm the order.

• What happens if you don’t pay Klarna?

  Klarna will charge you a late payment fee of up to £5. You do get a 7 day grace period from the date of the missed payment and Klarna will send you 4 reminders before they charge you.

• Is Klarna Vibe coming to the UK?

  Klarna unveiled Vibe in the US in June 2020, a customer loyalty scheme and the first of its kind in the BNPL sector. It was rumoured to come to the UK the following year but nothing came of this.

  Currently, there is no news of Vibe coming to the UK market.

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Buy now, pay later provider, Klarna, is set to share UK customers’ spending habits with credit reference agencies from 1 June 2022.

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PollenPay review 2023

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New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.

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Buy now, pay later borrowing set to show up in credit reports

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Credit reference agencies have announced that buy now, pay later debt will start showing on credit reports from spring 2022. Here’s what you need to know.

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Klarna vs PayPal: Compare popular buy now pay later platforms

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Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.

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M&S and John Lewis announce their own buy now, pay later schemes

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M&S and John Lewis have launched in-house challengers to buy now, pay later services like Klarna.

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Buy now, pay later platforms to face stricter regulation

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The FCA is set to introduce tighter controls for buy, now pay later firms like Klarna and Clearpay.

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PayPal Pay in 3 review: What is it and how does it work?

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PayPal’s buy now, pay later service splits your shopping into three interest-free payments. We look at how to apply, key features and where you can shop.

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Flava review: Get your groceries now, pay later

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Flava offers a pay later service different to any other in the UK, with a focus on groceries. Find out about fees and credit checks in our review.

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Zilch store list: Which UK shops accept Zilch as a payment method?

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Zilch allows you to shop now and pay later, but which UK retailers accept Zilch as a payment method? Find out in our full Zilch retailers list.

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Zilch review: Buy it using your virtual card, pay for it later

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Zilch allows consumers to pay for goods over time, almost anywhere. But what are its pros and cons and how does it compare to other BNPL providers?

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Instant hit: The rise and rise of buy now, pay later

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Download our free paper to get original research and data-driven analysis, as well as expert commentary and predictions on the future of buy now, pay later platforms in the retail industry.

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DivideBuy review: Spread the cost of payments online

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Looking to buy now and pay later? Spread the cost of your purchase across a specified time period with DivideBuy.

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Payl8r review: Buy now and pay l8r for your online shopping

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Read our review to see how Payl8r works and decide if it’s the right choice for you.

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Laybuy review: Buy it now and pay it off later

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Check out our review of Laybuy, to see whether this buy now pay later interest-free plan could work for you.

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