Klarna

Klarna

 Verified
Klarna
1.3

217 reviews

PositivevsNegative
6% · 12201 · 93%

Reviews

217 reviews
217 reviews
Tori W.
Tori W.Gungahlin 2912, ACT
 

Effects your credit score massively

I have made a few purchases with Klarna to discover every time you purchase something it shows up as an enquiry on your credit report, it does not show payments being made though so hard to recover from!

My credit score has been damaged significantly and after seeking advice I was told it would take over a year to recover
NOT WORTH IT

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sahbear88
sahbear88Sydney Surrounds, NSW2 posts
 

No issues so far

After a disastrous experience with AfterPay I found Klara and it is really easy to use. Would recommend over Afterpay who blacklist you and give you no option to fix issues. Show reply
unhappy
unhappyGreater Melbourne (Inner), VIC3 posts
 

can no longer use it

it was fine in the beginning let me use the app.then i started having problems it would hold the money for the payment and once the payment cleared to them they told my bank to hold the same amount now i can't use it at all says i have overdue amounts
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Michelle kennedy
Michelle kennedySydney, NSW9 posts
 

Terrible

They make it seem so easy but when it comes to making a purchase of $50 dollars it declines you Afterpay is the best so easy to use and humm super easy.
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Jessica M
Jessica MAU
 

Deceptive! Credit check every purchase!

Klarna is a joke, they damage your credit by performing a credit check for every single purchase! Not just at account creation. This is not mentioned when you attempt to purchase, that they will do a credit check! USE WITH CAUTION
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Stephen W.
Stephen W.Sydney, NSW6 posts
 

Stick to Afterpay and Humm

First purchase no problem go to do a second one and it does a credit check and declined. The amount was less than the first. Told to create a cost card to which i tried declined and then another credit check. Klarna is definitely not what it made out to be. Will stick with afterpay and Humm and openpay.
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Rebecca L.
Rebecca L.Greater Melbourne (Outer), VIC
 
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RugbyFan
RugbyFanSouth East Queensland, QLD2 posts
 
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Ace
Ace2 posts
 

Stopped using Klarna

They credit check you for small amounts every time. Customer service is really terrible. Wasted so much time on the phone because their refund setup is shocking. I reported them to Comm bank for their business practices, they have called several times to get all the info on Klarna, stay away, go with Bundl instead.
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oli b
oli bmelbourne99 posts
 

stay away hidden credit check even customer of cba bank

terribile and is no honest done credit check for small amount declined in end i deleted app is very dishonest practise wont recomend and use again best buy outhright when u have money ruins people credit score is just upsetting
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Dan
DanSydney, NSW15 posts
 

Unethical Buisness

Performs a sneaky credit check but isn’t obvious during sign up. Attempt to contact customer support and they are only open during selected hours and they are hard to contact.
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Josh
Josh
 

Absolutely terrible

The app is glitchy, the customer support is awful and the ghost card isn't available on every site like they state. Much better alternatives out there, I would not bother
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Darren
DarrenDarwin, NT
 

Absolutely dreadful stay clear

It is a nightmare from start to finish. It effects your credit score, does not like different websites, so you can’t shop on any website as stated. You apply for ghost cards each time you try and purchase something. This is hit and miss if it works. Most times it doesn’t work. Customer service can not resolve any issues you raise. I have given up trying to use Klarna. Stick with zip to afterpay much simpler
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Mel
Mel2 posts
 
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Tony7912
Tony7912South East Queensland, QLD38 posts
 

Needs improvement

A good idea in that you can use it at any retailer. Unfortunately they hit your credit report which can be detrimental to your score. Even for the small amount I used. I understand the responsible lending criteria etc. They are the only take home lay by I know of that does a hard check of your credit score for small amounts. Hopefully will get better with time. Very glitchy app.
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Damian
Damian Perth, WA11 posts
 

Read the fine print

Shows up on your credit report even small amounts $326 in my case. I didn’t end up using it. Pretty much like a higher charge, less flexible afterpay. Plus quite a few glitches on the app.
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Peter J
Peter JAdelaide9 posts
 

Great company that has launced in Australia

Awesome buy now pay later service , can shop anywhere online with the ghost card . Also have awesome retailers like eBay , well done Klarna . Good payments structure , app easy to use Show reply
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