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Klarna

Consumer finance app for flexible payments, cards, and spending insights.

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Klarna is a financial application that provides flexible payment options, including the ability to pay now or defer payment to a later date. It addresses the need for greater control over personal finances by offering a single platform for payments, savings, and spending management.

The app includes a Klarna card accepted wherever Visa is available, cashback rewards on purchases, and a spending analysis feature to help users track their budget. It also offers a bank account feature and a paid membership program that provides additional benefits such as higher cashback and travel perks. A 24/7 AI assistant is available for support, and purchases are covered by a buyer protection policy.

Klarna is designed for individual consumers looking for flexible payment methods and financial management tools. The app is free to download, with optional paid membership plans that can be cancelled at any time.

12 alternatives to Klarna

Ranked by how well each tool replaces Klarna: shared features, audience, price and popularity.

  1. Affirm

    Buy now pay later without the fees. Flexible payment options with longer plans, lower and

    Covers 5 of 15 key features.

    Free plan
    66 out of 100 matchContact sales

  2. Skrill

    Digital wallet for online payments, transfers, and cryptocurrency purchases.

    Covers 3 of 15 key features.

    64 out of 100 match—

  3. Kraken

    Kryptowaluty, akcje, kontrakty futures i staking w jednej platformie.

    Covers 3 of 15 key features.

    Free plan
    63 out of 100 matchFree

  4. PayPal

    Online payments trusted by consumers.

    Covers 2 of 15 key features.

    62 out of 100 match—

  5. Neteller

    Digital wallet for fast, easy, and secure online money management.

    Covers 2 of 15 key features.

    62 out of 100 match—

  6. Cash App

    The way money should work

    Covers 5 of 15 key features.

    Free plan
    61 out of 100 matchContact sales

  7. Crypto.com

    Wszystkie Twoje ulubione kryptowaluty na jednej bezpiecznej platformie

    Covers 3 of 15 key features.

    60 out of 100 match$3.99/mo

  8. Stripe

    Financial infrastructure for the internet

    Covers 2 of 15 key features.

    60 out of 100 matchUsage-based

  9. Gerald

    Smart banking app offering cash advances and buy now, pay later for household essentials.

    Covers 3 of 15 key features.

    Free plan
    59 out of 100 matchFree

  10. Guarda Wallet

    Non-custodial crypto wallet for storing, buying, swapping, and staking assets across 70+

    Covers 6 of 15 key features.

    Free plan
    58 out of 100 matchContact sales

  11. CredPal

    Flexible pay for every purchase

    Covers 5 of 15 key features.

    58 out of 100 match—

  12. Privacy.com

    Privacy and security built into your payments.

    Covers 1 of 15 key features.

    Free plan
    57 out of 100 match$5/mo