Klarna: Smarter everyday money

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FLEXIBLE WAYS TO PAY Shop anywhere in the Klarna app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP WITH THE KLARNA CARD² Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores in the app. USE KLARNA WITH GOOGLE PAY Split the cost with Klarna on Google Pay, available online and in-app⁴ KLARNA MOBILE Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶ FIND THE BEST PRICE, EVERY TIME Search for any product and instantly compare prices across stores. HASSLE-FREE RETURNS Need to send something back? Report a return and we’ll pause your payments. TRACK ALL YOUR DELIVERIES Get real-time updates, arrival times, and pickup photos—right in the Klarna app. 24/7 CUSTOMER SERVICE Use our chat in the Klarna app for 24/7 support. ¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. ²Deposits 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 not insured by the FDIC and are not deposits. Physical card only included with a paid Klarna Membership Plan. Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage. ³Klarna 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: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback ⁴Google Pay is a trademark of Google LLC. ⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible. ⁶Cancel up to 24 hours before renewal in the Klarna app.