Klarna: Smarter everyday money

FLEXIBLE WAYS TO PAY Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP WITH THE KLARNA CARD² Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores. USE KLARNA WITH APPLE PAY Split the cost with Klarna on Apple Pay, available in-store and online.⁴ KLARNA MOBILE Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶ FIND THE BEST PRICE, EVERY TIME Search for any product and instantly compare prices across stores. HASSLE-FREE RETURNS Need to send something back? Report a return and we’ll pause your payments. TRACK ALL YOUR DELIVERIES Get real-time updates, arrival times, and pickup photos. 24/7 CUSTOMER SERVICE Use our chat for 24/7 support. ¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. ²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Physical card only included with a paid Klarna Membership Plan. Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply. Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage. ³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback ⁴Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. ⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible. ⁶Cancel up to 24 hours before renewal in the Klarna app.