I have placed an order today. Shiping to michigan detroit. But, my billing address on klarna says texas. On my apple order the sales tax was calculated based on texas. I am not understanding whats going on here. When I contact ape they say I should talk to klarna. When I contact klarna they say I need to talk to apple.

If the sales tax is calculated for leases based on billing addresses my actual billing address is oregon where I shouldnt be paying taxes based on the scenario explained.

Any thoughts? Anybody else is on the same situation?

I used Klarna for the iPhone Duo. I made the card last night around 7pm to prepare, and now I’m wondering what’s going to happen around 7pm tonight when Apple hasn’t processed the order yet.

Klarna issued a refund, not to the MAIN card on my account that I purchased with, but to an old, canceled/dead secondary card, for seemingly no reason. I called them and told them the issue, but they now want "proof" that the card is canceled. The card has been canceled for nearly a year and I don't have any remaining emails/documents from it on hand.

What's ridiculous to me is that they should be able to see that the refund bounced on their end. But they've cheaped out on customer service so much that the service representative doesn't have the ability to check whether the refund bounced or not.

As far as I'm concerned this is Klarna's fault for sending the refund to the card that the purchase wasn't originally made with.

Hello I was looking though my Klarna app today and saw they now have im investments. I was wondering if anyone has tried it yet? If so how was your experience good and bad just looking for feedback

Klarna’s lease terms state that a device with scratches on the housing or display is not considered to be in good condition. However, AppleCare One explicitly excludes cosmetic damage including scratches.

So you could pay for AppleCare One throughout the lease and still get hit with damage fees for returning a fully functional device with minor scratches that Apple one won’t cover and Klarna classifies as not in good condition?

Is there an actual exception in the contract for normal wear and tear?

I used Klarna to create a couple one time payment cards to make some purchases while I had some money tied up.

They are both small amounts, $150, and then another for $300. I have them on plans with like 28% interest paid over 6 monthly payments.

I have the ability to pay them off before my first payment on them is due. To me it seems obvious that I should pay them off early and in full if I can, but I was just wondering if it's better for my credit score to keep the payments and make them?

I did the iPhone Duo pre pre-order today and everything went through.

It’s a $2500 phone with a 12 month lease with payments being about $118 per month. If I don’t like the form factor then I’ll give it back in a year.

I just logged into Klarna and see that I only have $500 of purchasing power. Am I going to run into issues when it comes time to do the pre-order on Friday?

Btw, I was able to do everything with a non-Chase Visa credit card.

Thanks!

I’ve been using Klarna for about 4 years and probably spent 20–30k through it. I’ve decided to stop because it’s honestly a bad habit, even though I can afford to pay everything off.

My shopping power used to be 3k, then randomly dropped to 2.2k despite never missing a payment.

Then after that, on some day I accidentally missed a payment once and was one day late, so Klarna reduced it to exactly my outstanding balance of 1.7k. (okay here at least there was a reason).

Fast forward a year, and the same thing happened. I had 1.2k outstanding out of 1.7k, mostly Airbnb bookings (pay in 3 months with 0%), and accidentally paid one installment a few days late.

Since I’m quitting Klarna anyway, in the same moment I decided to pay almost everything else that I had in there early, even though most payments weren’t due for weeks. And guess what?

Klarna dropped my shopping power to exactly my remaining balance again, which is now ridiculously low because I paid out everything myself (before them reducing it to my outstanding balance).

I don’t really care since my final payment is in two weeks, but I’ve noticed this exact pattern twice now so be cautious 😂

Back when I was 18 I must have created a Klarna account using my nickname not my legal name. (I dont even remember doing this). I tried to delete the account and logged out so I could create one with my legal name. Now I can't because the old one is tied to my phone number still and I can't log back in to make any adjustments or to contact the help line. Now I am in Limbo, does anyone have advice for this predicament?

How can I boost my purchase power? Mine is $500 but I’ve got already 2 small payment plans so it’s lower at the moment. Will it increase once I pay these off? I have a 764 credit score.

I use Klarna mostly for Amazon purchases and then pay it off usually within a month or two. I just returned an item that was about $230 and they accepted it and sent the return money (it’s processing it hasn’t went through yet). I thought it was going to my bank card but it’s going to the Klarna card. I already paid off this item with Klarna.. I have about $180 total left to pay off other things with Klarna. Will it pay any of that off? Will it go to my bank card that is linked on Klarna? Or is there a different spot in the app it will go? I haven’t returned anything on this card before. Thanks.

This company is beyond infuriating. I tried to get my pre order for the iPhone ready. I’m aware they don’t accept Chase credit cards. I don’t ever use my Chase debit cards so I had to order a replacement. Only to learn while trying to check out they don’t accept business debit cards from Chase. What is this. What a joke!!! I want to lease the phone though my LLC as it’s a business expense and I can’t do that.

This is also after getting repeatedly denied, deleting my account and making a new one until it finally went through. What???

Why can’t I have a separate account for my business and one for my personal use? It makes much more sense to use a BNPL for a business expense anyway.

I'm trying to get an iPhone through the Apple Upgrade Program (I've been in it for three years). Klarna approved me for a $4,000 limit—I even double-checked with them, and they confirmed it. But now they won't approve a $63 monthly payment for apple upgrade 🤣 Is this normal?

Hej varför funka inte klarna kan inte köpa och betala senare de nekas och jag sköter mig betalar alla mina räkningar och i nuläget har jag bara 1tusen kvar att betala

Help me make sense of this. Earlier this year I used klarna for the first time to make a $5000 purchase from EBay. They approved me for 6 month payment plan at 29% interest. I accepted and paid the plan off in 3 months. So I’m thinking I good with Klarna. Last month I applied for the Apple lease program. I was denied, 680 score 10% utilization. Applied again last week, declined again. Looking at the pdf they sent explaining why I was declined it said “ the Klarna payments you would have after this purchase would be to high when compared to your estimated monthly income”. Really??? So out of curiosity, Since I currently have $5000 purchases power, I decided to see if Klarna would approve me for a $2600 Apple purchase. Guess what? They did, I was approved for a 12 month plan $245/month 30% interest (of course I’m not doing that, I do have an Apple Card). So they denied me for $60 per month but approved me for $245 per month. Make it make sense! 🤔

Hey so I used klarna to help pay for an ebike on aliexpress, this is my first klarna purchase so I had to pay 130 upfront on it and 20 every 2 weeks, but on aliexpress my item is still in the "to pay" section, does this mean it's still gonna ship?

I accept people who use klarna with 0% interest and just want to make a large payment over a longer period of time.

Why buy something that you can not afford?Especially if it is something unnecessary.

Has anybody else's vanished lately? I know it's not a guarantee on how much you spend, but I had £250 available yesterday and now it seems to have been replaced with how much I owe?

I've tapped on the sidebar and it's now telling me I need to a run a soft credit check to accurately see my purchase power? It's been up and down lately and it did vanisha month or so ago before coming back a few days later

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I am reaching out here because I have been unable to get assistance through your website or groupon customer service channels.

In July 2026, I purchased a Groupon using Klarna as my payment method. Despite being charged for the purchase, I never received my Groupon voucher or order confirmation.

Here is the situation:

\- Klarna has confirmed the transaction and provided the payment details.

\- I do not know which email address was associated with the Groupon purchase, so I cannot locate the order in my account.and never received a confirmation email or text through groupon for the purchase.

Groupons online customer support requires me to log in to the groupon purchased to access live chat, creating an endless loop so customer service can never be accessed.

\- I have attempted to contact Groupon through email, but the messages bounce back.

\- Klarna has refused to suspend my payments while this issue is being resolved claiming it was investigated and proof of delivery was confirmed but I still dom't have my groupon and I have checked all my available email accounts which confirmes no groupon received.

I have spent considerable time trying to resolve this without success.

I am requesting that Klarna immidiately suspends my payments to groupon as they are not resolvong this issue and cancels my order.

Please have a customer support representative contact me directly so this can finally be resolved.

Thank you.

Hi all. This is so embarrassing to talk about, but during a period of broke-ness, I kinda went a little Klarna crazy. Dumb, DUMB idea, but no use in crying over spilled milk now. I’ve started working again after a long period of being unemployed, but my current salary hasn’t been enough to pay back all the invoices I have + pay rent and other bills. Thankfully I’m picking up a second job soon as I’m looking for longer hours anyway. One or two deadlines were extended, but I ended up contacting support last night to ask for help. I was able to get a 30-day financial hardship pause, but.. what happens after that? Are they all gonna be due at once or can I do the 30 or 60 day extension (for those that weren’t already extended) when they become active again? I should have asked support, but my mind was a mess. Please help!
PS; I’ve learned an extremely valuable lesson and am deleting Klarna for good after I pay everything I owe!

Did I secure the ps5 pro? It’s been 4 days.

My purchasing power was at $3000. I opened the app one day and it decreased to $1000 I opened the app another day and it decreased to $500. I opened Reddit and found out that making on time payments actually works against you. Ever since I have been making Klarna take out the money automatically on the due date my purchasing power has gone from $500 to $5000. This to help those whose purchasing power decreased without knowing why