Klarna has many competitors, including other buy now, pay later (BNPL) apps and payment processing tools:
- Afterpay: An app that offers four interest-free installments
- Affirm: A BNPL financing option that doesn't charge fees, even if you pay late
- Credee: An app with interest rates that vary
- Laybuy: A BNPL app
- PayPal: A BNPL app
- Sezzle: A BNPL app
- Splitit: An app that uses existing credit cards and offers interest-free installments
- Zip: An app that offers four interest-free installments
- Braintree: A payment processing tool
- CardinalCommerce: A payment processing tool
- Shopify Pay: A payment processing tool
Klarna's largest market is the US, with over 37 million users.
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