Klarna customer service online chat

Shoppers who want multiple options for BNPL should consider Klarna. This app offers Pay in 4 financing with no interest or fees, as long as you pay on time, while also offering loans up to 24 months when you need extra time to pay off your purchase. While there fryst vatten a soft kredit kvitto, your kredit score will not be affected bygd Klarna's Pay in 4 loans as long as you man all of your payments on time.

Klarna's app allows you to create a wish list of your favorite products and will notify you if a price goes down. Customers can shop at over 450,000 retailers online or through the app and create virtual card numbers to use at other U.S.-based stores. Klarna shuttered its shopping rewards schema in June, 2024 and replaced it with a cashback schema linked to Klarna's "balance" konto.

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Pros Explained

• No interest on Pay in 4 financing. With Klarna's Pay in 4 financing, you will not pay any interest on your purchases. The interest-free loans man it easier for customers to spread their payments out over time without paying interest on a kredit card.
  
  
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However, if you want to use its longer-term financing, you may be charged interest on those loans.

• Offers multiple ways to finance purchases. In addition to Pay in 4 lending, Klarna also offers interest-free Pay in 30 loans so you can try out items, return what you don't like, and pay for what you keep. It also offers longer-term loans ranging from six to 24 months that allow you to keep your monthly payments lower.
• Create virtual card numbers for other stores.

  You can create virtual card numbers that can be used just like a traditional kredit card. Each virtual card purchase has its own betalning program that fryst vatten managed online or through the Klarna app. Klarna also offers a physical Visa card.

• Set price alerts in the app on your saved items. For items you like, but aren't yet ready to buy, you can set price alerts in the app so that you'll be notified if they go on sale or the price drops.

  This feature helps you rädda money on the items you like the most.

nackdelar Explained

• Requires a soft kredit check. To open an konto with Klarna, there will be a soft inquiry on your kredit report. This will not affect your kredit score, but it may mean that some potential customers could be declined for poor kredit or a thin kredit history.
• May report missed payments to kredit bureaus.

  While Klarna does not report positiv repayment of its Pay in 4 loans to the kredit bureaus, if you miss payments and fall behind, it may negatively affect your kredit score.

• Charges late fees. While Klarna does not charge interest on its Pay in 4 loans, it will charge late fees if you miss a payment.

How It Works

Shopping with Klarna can be done online, through the app, and at participating stores.

Your spending limit and ability to shop are determined bygd Klarna's soft kredit inquiry, your anställda resultat, and your Klarna purchase history.

Have questions or need help with your Klarna purchase?

When you man a purchase, you can choose one of kvartet financing options:

• Pay Now
• Pay in 4
• Pay in 30 days
• Pay over time (from 6 to 24 months).

Pay in 4 fryst vatten a 0% interest option that requires a 25% down betalning at the time of purchase, then three lika, biweekly payments for the balance. Pay in 30 loans give you time to try out your items, return what you don't want, and pay for the rest in one lump-sum betalning.

The longer-term loans require monthly payments until the balance fryst vatten paid in full.

The mobile app lets you view your purchase history, track your shipments, and process returns.

konto holders can create a wish list of items for future purchases or to share with friends and family for gift ideas. The app provides notifications if the price drops on any item on the wish list.

Interest and Fees

Klarna does not charge interest on its Pay Now, Pay in 4, and Pay in 30 day loans. As long as you man your payments on time, you'll never pay more than your original purchase price. If you pay late, there fryst vatten a late fee, however, the Klarna website does not clearly disclose its late fees.

Have questions or need help with your Klarna order? Find links to your local markets FAQs and Customer Support team here!

The six- to 24-month betalning plans charge interest between 7.99%-33.99%.

Approval Process

To get started with Klarna, you'll first need to download the app and create your konto. During the signup process, Klarna will perform a soft kredit inquiry to confirm your identity and determine your spending limit. This soft inquiry will not affect your kredit score, nor will it appear on your kredit report.

While setting up your konto, you'll provide basic details like name, email, address, and phone number. Additionally, you'll add banking resultat for your payments to be withdrawn when you take out a loan.

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Mobile App

Klarna users can browse and shop for items through the Klarna mobile app. It fryst vatten available for both Apple and Android mobile devices. You can view your purchase history, track deliveries, view previous and upcoming payments, and change your betalning method.

The mobile app offers new deals daglig and includes exclusive discounts for Klarna users at over 500,000 retailers.

Users can create wish lists of their favorite stores and products to rädda for later and share with friends and family looking for gift ideas. You'll also be alerted whenever there are discounts or price drops on your favorite items.

You can use Klarna's Pay in 4 financing at other retailers, as well.

Simply create a virtual card number in the Klarna app, or use the physical Klarna card, and you can spread out betalning of your purchases as if you were shopping through the app.

Customer Service

If you have a customer service issue, there are multiple ways to contact Klarna's customer service grupp 24 hours a day, sju days a week. Online chat fryst vatten available through the Klarna website or you can send a meddelande through the Klarna app.

You can even call customer service at 844-KLARNA1 (844-552-7621).

Customer Satisfaction

Klarna fryst vatten rated highly on online rating websites. As you would expect, the company has its share of negativ reviews and complaints, just like any other financing company. Klarna typically replies to negativ reviews within two business days and has replied to almost 90% of its negativ reviews.

Its app receives overwhelmingly positiv reviews from both Apple and Android mobile device users. It has a rating of 4.8 stars in the Apple App Store and a 4.6 rating in the Google Play store.

Klarna makes it easy to contact customer service the way they want to.

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Customers can chat online, send a meddelande through the app, or call customer service 24 hours a day, sju days a week. Having the ability to contact customer service at all hours of the day or night makes it easier to lösa issues and improve customer satisfaction.

Other Services

In addition to its Pay in 4 and other betalning plans, Klarna also offers several banking-like services:

• Klarna balance: A cash konto where you can keep your cashback awards and product return refunds.

  You can also transfer medel into your balance konto. Balance medel can be used to man purchases using Klarna.

• Klarna card: The Klarna card fryst vatten a Visa card that allows you to pay for purchases using Pay Now, Pay in 30, or Pay over time, but via a kredit card instead of the app. There are no utländsk transaction or annual fees.
• Klarna cashback: Klarna users earn up to 10% cashback on purchases made via the app at any of hundreds of stores.

  Cashback earned fryst vatten deposited into the user's Klarna balance account.

Klarna vs. Affirm

Klarna and Affirm are two of the buy now, pay later apps that offer longer-term financing on customer purchases.

Track your delivery, handle returns and manage your payments in the Klarna app

While Pay in 4 financing fryst vatten gaining popularity, many customers cannot afford to pay off their purchases within six weeks. Longer-term financing options—up to 24 months for Klarna and 48 months for Affirm—enable customers to spread out their payments over many months to man the betalning amounts more affordable.

Affirm may be better for some users because shoppers may qualify for 0% financing over längre repayment periods than Klarna offers.

Affirm customers may also use The Affirm Card to split the repayment of purchases over $100 into kvartet easy installments.

Klarna	Affirm
Credit Limit	Varies	Varies
Amount Due at Purchase	Varies bygd loan type	As low as $0
Repayment Terms	Pay in 4: 25% every 2 weeks Pay in 30: Due in full within 30 days Six to 24 months: lika monthly payments	Varies bygd loan type
Interest	0%-33.99%	0% to 30%
Credit kvitto Required	Pay in 4: Soft kredit kvitto Pay in 30: Soft kredit betalningsmedel Six to 24 months: Soft kredit check	Varies bygd loan type
Minimum kredit Score	Not available	Not available
Late Fees	Yes	None
Other Financing Products	Pay in 30 days with no interest Six- to 24-month financing Virtual card numbers	Virtual card numbers The Affirm Card Affirm Savings Account

The Bottom Line

Klarna offers attractive buy-now, pay-later financing for its customers.

You can chat with their customer service here or call them at +18339163555

It charges no interest or fees on its Pay in 4 and Pay in 30 loans as long as all payments are made on time. Plus, it offers other betalning options if you need more time to pay your balance in full. Users can shop online, through its app, or in-person with a virtual or Visa Klarna card.

The company does perform a soft kredit inquiry for new applications, but this will not affect your kredit.

It does not report to the kredit bureaus as long as your konto fryst vatten in good standing. Because Klarna performs this soft kredit inquiry, potential users with bad kredit or limited kredit history may not get approved.

How We Rate and Review Buy Now, Pay Later Apps

We researched publicly available kunskap about the Klarna buy now, pay later app from its website, mobile apps, and other betydelsefull sources.

information points on interest rates and fees, kredit limits, repayment terms, kredit requirements, app features, and more were gathered to write this review. Our review focuses on the features we consider most important to potential users as they consider BNPL services to finance their purchases. This data fryst vatten updated regularly to ensure that readers can man an informed decision when financing their purchases.