Klarna | Shop now. Pay later‪.‬ 4+

The Klana app won’t reveal how much you can spend even when you pay off all purchases and supposedly have $1,000 in credit. It’s so humiliating when you try to use it at high end boutiques and get rejected. I use Afterpay mostly, and if the item is over $500 I then pay the remaining on Klana . It’s a terrible app. I have $3,000 credit in Afterpay and always make payments in advance when I want to make another purchase. Unlike Klana if you pay off purchases for $1,000 you instantly have that credit to use! I’ve deleted the app in the past due to frustration. It’s so unpleasant when you can’t use it in a store yet you don’t owe anything in outstanding payments. They should follow lead from Zippay and Afterpay to improve their service.

Thanks for the review.

We certainly understand the frustration that this can cause when trying to make a purchase and being unsure whether you'll be approved or not. At Klarna we don't have a pre-determined spending limit, but rather each purchase attempt is susceptible to an eligibility assessment. This is based on a number of factors, including credit history, payment history with Klarna, any upcoming payments, among others, and sadly, we cannot guarantee that your purchase will be accepted. We want to highlight that each purchase attempt is assessed independently, and being declined once doesn't guarantee that all future purchase attempts will also be declined.

If you would like to read about this process, as well as see some tips on how you can increase your eligibility, please see the following link:

https://www.klarna.com/au/customer-service/how-much-am-i-eligible-to-spend/

We apologise for the inconvenience caused, and we hope that this has helped to clarify things.

The klarna used to displayed the purchase power of our account. However it’s been removed unfortunately. On friday last week, i tried to create one time card for $500 purchase. Unfortunately there was unpredictable card fee that incurred after inserting visa card that created around $18. Transaction fee is commonly happened, the worst experience was I needed to cancel the card to create card and recreate one time card that equal or over the order total. However the system refused the attempts even until today, 1 week after that $500 one time card created. I couldn’t add up more money to the card. The customer service also unable to return the purchase power and exactly nothing either klarna and me can do to return the purchase power. It made the transaction process very difficult and longer, any unexpected card fee would give you hustle to fix up the card balance. However, step up by commonwealth bank and afterpay are so much practical than klarna. At the end, the purchase isn’t done and shopping becomes a bad experience. What can be learned is, i need to recalculate any potential card fee above the total transaction by myself and add it up on top the total transaction cost. The system fail to advise and educate the customer about this additional fee would happen during transaction. I spoken to 2 customer services before, it was on monday and today, i am feeling left behind because my account still disabled to create one time card.

Hi there, thank you for your feedback. We're saddened to hear this and want to help. Please contact us via chat or by phone at 1-844-552-7621 and we'll be happy to investigate further. Take care.

I was with CBA and this was recommended by the bank when it was launched initially. Tried, and failed. Created a ghost card only was told after that ghost card can’t be used to pay bill. So okay never mind, new app so it’s understandable. Then after a year I moved to ANZ and this app kept updating, so I thought let me try it again. Tried to create a $700 ghost card, used ANZ card, failed, then tried 28 degrees, it just simply told me I can’t create ghost, choose another payment method. Plenty of credit on my 28 degrees. I ended up paying with my credit card directly. Not want to feel defeated I contacted the customer service through the app. Couldn’t generate a new chat unless I choose a transaction which I obviously haven’t had a transaction. Anyway I luckily didn’t delete the last chat a year ago under the previous ghost card incident. So managed to get to someone, only was told the same prescriptive answer, oh sorry we try to be responsible lender and each transaction is assessed on its own merit those kind of useless bluff. If you has a lending criteria, be transparent to your customer. Putting up a responsible lender face without substantiation only damages your brand.

Hi Xavier, we would like to apologise on behalf of Klarna that your experience has been anything less than excellent. It is certainly not the intended experience we would like our customers to have, and we are very sorry we were not able to meet your expectations. Rest assured, if you do try Klarna again in the future, each purchase is assessed on its own merits. If you have any further questions, please do not hesitate to contact us directly at [email protected]. /Juliet