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Klarna | Shop now. Pay later.
Klarna | Shop now. Pay later. Vs. Affirm: Buy now, pay over time

Klarna | Shop now. Pay later. vs Affirm: Buy now, pay over time Usage & Stats

MANAGE YOUR PAYMENTS. Get a complete overview of your purchases, upcoming payments, and outstanding balance. Stay on track by activating push notification reminders. SHOP AT YOUR FAVORITE BRANDS. Access Klarna's flexible payment options anywhere, and unlock cashback rewards at top stores—exclusively in the Klarna app. You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time. UP TO 10% CASHBACK. Shop in the app and earn up to 10% cashback. No confusing points system—just real cash added to your Klarna balance, ready for your next purchase at any store. GET THE KLARNA CARD. Use Klarna at the coffee shop, mall, or restaurant—wherever Visa is accepted. Pay later or over time, shop abroad without additional foreign exchange fees, and enjoy no monthly or annual fees. UNLOCK YOUR KLARNA BALANCE. Earn money when you shop. Get cashback from Klarna purchases and receive lightning-fast refunds. Open your Klarna balance in minutes for free, add money instantly, and start collecting your cashback. SHOP NOW. PAY LATER. Split the cost of your purchase from any Klarna app store into 4 smaller, interest-free payments. And it works just as easily in-store with Apple Pay. So get what you love today and pay later. NEW DEALS EVERY DAY. Shop and save with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a tap, and check back tomorrow—new offers are added all the time. TRACK ALL YOUR DELIVERIES. Get live updates with delivery times, pickup codes, and even pickup location photos. Track your purchase from store to door in the Klarna app. HASSLE-FREE RETURNS. Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime. INSTANT SHOPPING CONFIRMATION. No one likes to wait. When you buy something in the Klarna app, you'll see your purchase just seconds after you place the order. 24/7 CUSTOMER SERVICE. Use our chat in the Klarna app for round-the-clock service. DIGITISE YOUR LOYALTY CARDS Klarna is the official successor to Stocard. Unclutter your wallet by scanning the code on your plastic cards within seconds. // CA resident loans made or arranged pursuant to a California Financing Law license. //

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Affirm: Buy now, pay over time

Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S., or pay with Affirm on Apple Pay. Why you’ll love the Affirm app: • See your purchasing power front and center • Shop brands with clear, flexible payment options • Discover deals, 0% APR options, and plans over 12 months • Set up AutoPay or easily make early or one-time payments • Request to pay over time with the Affirm Card online or in-store Take your Affirm Card everywhere: • Get a physical card and use it anywhere Visa is accepted in the U.S. • No credit impact to apply, and no card or annual fees • Discover 0% APR options or flexible plans at top brands, in-store and online • Request a payment plan in the app before or after checkout. Minimum purchase may be required for payment plans. See footer for details. Purchasing power is an estimate and may include a down payment at checkout. Approval and terms aren’t guaranteed. The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more at https://www.fdic.gov/resources/deposit-insurance/. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. Rates from 0 - 36% APR. For example, an $800 purchase could be split into 12 monthly payments of $77.99 at 30% APR, or 4 interest-free payments of $200 every 2 weeks. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states.