How Klarna works
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Log in to manage your orders, payout reports, store statistics, and general settings.
The Klarna Card
is here
Use Klarna at the coffee shop, mall, or restaurant—where Visa is accepted.
Everything you love about Klarna, everywhere
Unlock the features of the Klarna Card, powered by Visa:
Pay now, in 30 days, monthly or over a few months
Shop abroad without exchange fees
Coming soon: Earn cashback in the Klarna app
No monthly or annual fees*
How Klarna Card works
All your purchases are bundled to a monthly statement in the app, where you can pay purchases off automatically or manage individually.
Pay later
Pay your whole balance at the end of the month interest-free.*
Move to next month
Need a little bit more time to pay? Choose a purchase and move it to the next month’s statement.*
Pay over 3 or 6 months
Make bigger purchases more manageable by spreading the cost.* You’ll always know the amount to repay in the app.
Earn cashback
Earn cashback at hundreds of top stores and brands when you shop in the Klarna app.
Join millions already paying with Klarna
150M+
Klarna users worldwide
4M+
users waiting for the Klarna Card
Visa
Secured transactions
Smarter than the average credit card
Get flexibility without carrying over your balance and letting it grow. You’re in control with clear due dates in the app, and no annual fees or interest* when you repay your balance every month. If there’s interest for other payment options, you’ll always know upfront.
Get more from your Klarna Card
Together with the Klarna app, you can track purchases, manage your finances, and more.
Find a great deal
Search and compare prices across stores. Get a great deal with Klarna Card at any store.
Track your spending
Track and manage all your finances easily, in the Klarna app with Money Manager.
Ask me anything
Ask the Klarna Card AI assistant anything, and get the answers you need instantly.
Questions?
Sign-up for the Klarna Card through the Klarna app or website. Get your virtual Klarna Card within minutes. It will be active and ready to use right after it's created. You can add your virtual Klarna Card to Apple Pay or Google Pay and start using Klarna where Visa is accepted.
If at the end of sign-up, you get a message saying that you are ineligible for the Klarna Card, unfortunately, you can not get the card at the moment. Your eligibility status could change, so you can try applying for the Klarna Card again in the future.
Eligibility requirements include:
Be at least 18 years of age.
Be a US resident.
Have purchased through Klarna at least once and paid on time.
Pass the credit assessment, based on a soft credit check.
The Klarna Card is available in the 50 US states, plus the District of Columbia. It is not available in Puerto Rico, the US Virgin Islands, or any other US territories.
Your credit score will not be affected when you apply for or use the Klarna Card. This is because only a soft credit check is performed when you apply for the Klarna Card.
The amount that you can spend is reassessed on a real-time basis. It can increase or decrease over time depending on your repayment history and outstanding purchases. You can view your Purchase Power anytime in the
.Yes, both Apple Pay and Google Pay are supported. It also works with your virtual and physical cards.
Bring some Klarna with you, on a card, everywhere
Take the Klarna Card shopping where Visa is accepted—then pay at the end of the month, the next month, or pay over time. It’s up to you.
*A 28.99% APR applies to Pay Over Months plans
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.