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Klarna US - A secure, flexible way to manage your money
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Your hottest membership deal

Get 30% off Klarna Premium or Max for 3 months.

Your money treated right

Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.

Trusted by millions worldwide

20
years of experience
120m
users worldwide
1.2m+
merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.
Designed around you
Accepted everywhere
Always supported
  • Designed around you
    Choose how you pay. In full, later, or over time. Always with clear terms and helpful reminders.
  • Accepted everywhere
    Pay with Klarna wherever you shop, online and in physical stores.
  • Built to grow
    Turn spending into rewards. Earn cashback on purchases, and watch it all stack up.
  • Clear and simple
    Track expenses, manage your money, and stay on budget in the app.
  • Always supported
    Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Pay over time with our flexible payment options, giving you more control over your budget.

Cards

Choose how you pay and take the benefits of Klarna wherever you go.

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.

Klarna balance

Add money in the Klarna app and pay flexibly, everywhere.

Savings

Save your way with our flexible savings account.

Cashback

Earn cashback on everyday purchases.

Shopping

Search to find better prices on your favorite products.

Mobile

Get a Klarna phone plan with priority 5G on AT&T, the nations most reliable network.
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay or Google Pay, or use your Klarna Card anywhere Visa is accepted.

Klarna cards

Shop with built-in security

Eligible transactions include built-in buyer protection and advanced fraud prevention. So your money and data stay secure.

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
582,294 reviews
T
Telia
"I've been using Klarna for about five years, and it's been a great experience. The flexible payment options make managing purchases much easier, and the app is simple to use. I also appreciate the helpful reminders and reliable customer service. Overall, it's a convenient and trustworthy service that I'd definitely recommend."
4 months ago
T
Tiffany Brown
"I love Klarna, from the beginning til now, I have always had such an amazing experience with the company and their customer service is unmatched"
7 months ago
P
Pamela RY
"I honestly love Klarna! It allows me to purchase the things I want in convenient payment installments without any interest. It makes shopping so much easier, more flexible, and completely stress-free. Highly recommend!"
4 months ago
K
Katy
"Klarna is a awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest."
2 years ago
L
Lauren Saint Onge-duncan
"I honestly love Klarna. It's incredibly helpful especially in this economy we have lived in for the past 5 years where essentials have exploded in cost. I have had just a couple technical issues over the past years but their customer service is amazing and has always resolved the issue quickly. I highly recommend Klarna!"
9 months ago

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

Monthly financing through Klarna issued by WebBank.
CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (early availability funds); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures.
Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
Klarna mobile plan provides priority data on AT&Ts 5G network (QCI 8) for more consistent speeds and lower latency during congestion.
Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Balance required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
Installation process can take a few minutes. Stable internet connection and eSIM compatible device required.
Klarna and Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad.
Software requirements apply. Use Klarnas plans for a service fee, loans issued by WebBank. Loans not offered by Apple. Terms apply.
Google Pay is a trademark of Google LLC. Klarna loans on Google Pay issued by WebBank.
Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.

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