Lender · complaint record
Is Klarna legit?
Filed under Klarna AB
Klarna is a real lender with a public complaint record: 3,261 complaints since 2017, and it is still answering them. It answered 93.6% on time and closed 8% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Weak response record. How it works
What the record shows
Good signs
- Gives relief more often than most8% closed with money back or a fix - a typical lender manages 6%.
- Active and answeringIt took part in the complaint process as recently as Nov 7, 2026.
Red flags
- Slow to answerOnly 93.6% of complaints answered on time.
- Complaints rising fast+224% in the last 12 months against the year before.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 3,261
- Last 12 months
- 2,065
- Answered on time
- 93.6%
- Closed with relief
- 8%
- Last 30 days
- 128
- Rank
- #1 of 272
Since August 2017
+224% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 7, 2026
Most complained-about personal & payday lenders
How to check Klarna yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Klarna, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with personal & payday lenders
You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Klarna
AllHave you dealt with Klarna? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Klarna a real company?
Klarna is a real lender with a public complaint record: 3,261 complaints since 2017, and it is still answering them. It answered 93.6% on time and closed 8% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Klarna a scam?
Its record shows a real lender that answers complaints through the official process (93.6% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Klarna, hang up or delete the message and contact the company using details you found yourself. A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.
Can I trust Klarna?
Look at the trend and the answers rather than the total: Klarna closed 8% of complaints with relief and complaints are rising. Read the experiences from people like you.
What should I do if Klarna won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Is Klarna legit? Tell us
No comments yet. Start the conversation - questions are welcome too.