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Is Klarna a Scam?

klarna.comLegitimate Business

Risk Assessment

20%Risk Score

Low Risk

Summary

Klarna is a legitimate Swedish fintech and one of the largest BNPL providers globally. Over 150 million users worldwide.

Klarna is NOT a scam. Pay in 4 is interest-free if paid on time. Late fees apply for missed payments.

Company Information

Parent Company

Klarna Bank AB

Founded

2005

Headquarters

Stockholm, Sweden

Stock

Private (IPO expected)

Employees

5,000+

Trust Indicators

Operating since 2005 (19 years)[source]
Licensed bank in Sweden[source]
Over 150 million users globally[source]
Partners with 500,000+ retailers[source]

Concerns

Late fees apply if payment missedmedium[source]
Easy credit can lead to overspendingmedium[source]

💡 Recommendations

1.Use "Pay in 4" for interest-free
2.Set up autopay to avoid late fees
3.Don't overextend with multiple BNPL
4.Track payment due dates
5.Check terms before each purchase

📚 Sources

Klarna About Us Klarna Press BBB Business Profile CFPB BNPL Report Trustpilot Reviews

Last updated: 2026-01-22

Disclaimer: This analysis is for informational purposes only. Information may be incomplete, outdated, or inaccurate. Our assessments should not be the sole basis for financial, legal, or personal decisions. Always conduct your own research and due diligence.