I have borrowed over a thousand from them in one transaction before but now they won’t even let me borrow two hundred. For some reason lately they flat out won’t approve me for anything even though I have almost everything paid off through them so far. I have always had on time payments and most times paying stuff off early. Seriously, I have had a million transactions through them. I have been using Klarna for a few years now and have used their app more times than I can count. I have recommended them to everyone I know even though I also use affirm, quadpay, and after pay. Let me start off by saying I love Klarna or used to. Sometimes this means lowering the estimated amount we can lend. To help our users shop responsibly, we have to lend responsibly. Hi there, we understand that this change is frustrating and we can explain. No longer worth going through all that, just to be declined and not given a reason. It's basically misleading to state that I'm up to date "great," increase my spending limit, then decline me at the end of preparing my shopping list. They just are not worth it anymore, due to having to shop first, prepare a list of items, only to be declined and not being able to know up front. My account limit has increased significantly, but I can never get approved even with the smallest, minimum purchase. I may as well use Affirm or Quadpay because Last month and now this month, I'm simply wasting my time with Klarna and I'm not getting a reason why. Customer service will always say it's system generated and they cannot give a specific reason and there's nothing they can do. It can be frustrating and time confusing to shop and make a list, then get declined and not get a reason why. Just as many others have stated, their experiences and mine were ok in the past but lately, even though my purchase power has increased and my credit score Etc., I am not being approved even for the smallest purchases and their customer service can never give you a solid reason. Has been good in the past, but lately not. CA resident loans made or arranged pursuant to a California Financing Law license. Get round-the-clock service whenever you need it using our chat right in the Klarna app. When you buy something through the Klarna app, you'll see your purchase just seconds after you place your order.Ģ4/7 CUSTOMER SERVICE. And you can even make early payments or extend your due date. When you shop with Klarna, you get a complete overview of all your purchases and finances. We’ll pause your purchase so you don’t have to pay in the meantime. Need to send something back? Report a return right in the app. And, you'll also gain access to even more exclusive deals and offers! The more you shop and pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock which allows you to spend more. It doesn’t matter if you love fashion, beauty, tech, or whatever – we’ve got something for you. In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping. You can also share your Collections with family and friends. That way, when the price drops you will know. Each time you save an item, an automatic price drop alert is set. Save items in Collections and never pay full price again. So go ahead and follow that truck, from purchase to pick up in the Klarna app. Get live updates with delivery times, pickup codes, and even photos of a pickup point to help guide the way. Sign up for free in the Klarna app and unlock a $5 welcome reward after just 1 complete payment. Join Klarna’s rewards club and get rewarded for all your shopping. And check back in tomorrow – we add new shopping offers all the time. Find a deal you like, claim it with a simple tap. Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app. So you can get what you love today and pay later. And it works just as easily in-store, with Apple Pay. When you shop in the Klarna app, you can split the cost of your purchase from any online store into 4 smaller, interest-free payments.
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