Best Klarna Apps

143+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated November 2026

Out of 143+ klarna apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Klarna Apps (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.5M)YesNoNov 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (2M)NoNoNov 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoNov 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (887K)NoNoNov 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (126K)NoNoNov 2026
6Cash AppCash AppFree4.8★ (8.8M)NoNoNov 2026
7Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (310K)NoNoNov 2026
8PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoNov 2026

Top Picks for Klarna

Klarna: Smarter everyday money#1

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Editor's Choice
💰 Finance
4.9😞(2.5M ratings)
FreeAds
#8in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

Shop smarter with flexible payment options, earn up to 10% cashback, and compare prices across stores. Manage your money, unlock savings, and even get mobile coverage, all in one app.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues
  • 🕰️ Slow/delayed refund processing
  • 🤯 Poor customer service
Affirm: Buy now, pay over time#2

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Strong Contender
🛍️ Shopping
4.9😞(2M ratings)
Free
#25in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

This app allows users to pay for purchases over time with flexible payment options. It offers a virtual card for use anywhere Visa is accepted and provides access to deals and 0% APR options.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(753K ratings)
Free
#31in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split payments over time. Access exclusive deals and manage your purchases with flexible payment options. Get what you want now and pay later with convenient installment plans.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues

More Klarna apps to explore

FAQ about Klarna

What are the best klarna apps for iPhone?
Klarna: Smarter everyday money tops our klarna apps ranking as of November 2026, with a 4.9-star average from 2.5M App Store ratings, and it's free to download.
Yes — 20 of the top klarna apps we rank are free to download, including Klarna: Smarter everyday money and Affirm: Buy now, pay over time.
Klarna: Smarter everyday money shows ads and has no in-app purchases, according to its App Store listing as of November 2026.
We track 143+ klarna apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.

Related searches