Is Klarna a Credit Card?

Are you wondering if Klarna is a credit card or not? Do they provide any other cards for payments? Fret not; we have got you covered. This article is your guide to understanding Klarna and what they do. Not only this, but we will also answer some critical questions that many users have.

Let’s get cracking!


Klarna is a Swedish Financial Technology company. It is based in Stockholm and was founded in 2005. It is famous for its buy now, pay later model, and it lets you buy goodies, and you can pay for them later. Its primary focus is online shopping, but some stores and markets also accept a Klarna card. You can even make purchases using the Klarna mobile app.

This point-of-sale financing application or single-use card lets you pay no interest unless you decide to finance your purchases. You are given a plethora of options to pay back. One way would be by paying for the entire investment in 30 days or paying back in four instalments without showing interest in both cases.

Is Klarna a Credit Card?

Klarna is not a credit card, even though it feels like it is a credit card. You are given different ways to pay the amount according to your budget. As mentioned earlier, it follows a buy now, pay later model that helps you pay for the goods later. Many people have started using cards and apps like Klarna for a hassle-free shopping experience.



I. Can Klarna boost your credit score?

No, using Klarna has no impact on your credit score, and it only does a soft credit check that has zero effect on your credit score.

II. Does Klarna have a Maximum Purchase Size?

Yes, Klarna has a maximum purchase size. Pay in 4 allows for a maximum purchase of $1,000, and the most you can go to when financing a purchase is $10,000.

III. What is the limit on a Klarna card?

A Klarna card does not have a limit, and you do not have a spending limit on the Klarna card.

IV. Is Klarna better than Afterpay?

Yes, Klarna is much better than Afterpay when choosing a buy now, pay later service. It has more financing alternatives, twice as many retailers in its marketplace and the ability to generate virtual card numbers that may be used anywhere Visa is accepted.

V. Can Klarna be used for paying bills?

No, bill payment may be possible on some buy now, pay later finance services; however, Klarna is only intended for shopping. So, you cannot pay your bills with Klarna.


So, to sum it up, Klarna is not a credit card, and it follows a buy now, pay later model that helps people buy items and pay for them later. It mainly focuses on online shopping, but some stores and marketplaces have started accepting Klarna too. One cannot use it for paying bills or rent, only for shopping purposes.

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