FOMO accepts Klarna & Affirm

Trade now.
Pay later.

Use Klarna and Affirm to fund your FOMO trading account. Approved in minutes. Buy coins now, pay later.

Fund your FOMO account
  • Instant deposits via Apple Pay
  • Minutes to get approved
  • No credit-score hit to apply
  • Trade without cash

Five steps. 10 minutes.

Works on iPhone. You'll need the FOMO app and the Klarna or Affirm app.

  1. 1

    Download FOMO

    Sign up with your email or Apple ID. Takes under a minute, no wallet setup. Use the button below so the referral code PAYLATER is applied.

    Sign up for FOMO
  2. 2

    Get approved by Klarna or Affirm

    Sign up in the Klarna or Affirm app and apply for their card. Approval takes a couple of minutes and doesn't affect your credit score. How much you're approved for depends on your profile; it's shown in the app as soon as you're in.

    Pro move Apply to both at the same time. Two approvals, two lines to fund with.

    Sign up for Klarna Sign up for Affirm
  3. 3

    Add the card to Apple Wallet

    Once approved, open your card in the Klarna or Affirm app and tap Add to Apple Wallet. The virtual card is live immediately; you don't need to wait for a physical card.

  4. 4

    Deposit on FOMO with Apple Pay

    In FOMO, tap Deposit, choose Apple Pay, and enter your amount. When the Apple Pay sheet slides up, tap the card and pick your Klarna or Affirm card. Confirm with Face ID and the money is in your account.

    To spread the payment out, convert it in the Klarna app (within 12 hours) or request a plan in the Affirm app.

  5. 5

    Trade

    Your balance is live the moment Apple Pay confirms. Buy any token across Solana, Base, Ethereum, BNB Chain and more, in one tap, no bridging. You own the crypto.

    Trade on FOMO

Klarna or Affirm?

You don't have to pick. Sign up for both at the same time and you'll have two separate lines to fund FOMO with.

Klarna Card · Visa
Pay in 4
25% now + 3 payments every 2 weeks, interest-free
Minimum
$30 purchase to convert
How to split
Convert in Klarna app within 12 hours of purchase
Other plans
Pay in 30 days · monthly financing (0–35.99% APR)
Apply
No credit-score impact; virtual card in minutes
Watch out
Some financial-services merchant categories are forced to pay-in-full mode
Sign up for Klarna ↗
Affirm Card · Visa debit
Pay in 4
4 equal payments every 2 weeks, no interest or fees
Minimum
Shown in the Card tab of the Affirm app (typically $50)
How to split
Request a plan in the Affirm app, before or right after purchase
Other plans
Monthly plans 3–60 months (0–36% APR), down payment may apply
Apply
No credit-score impact; no annual or card fees
Watch out
Unapproved purchases are debited in full from your linked bank in 1–3 days
Sign up for Affirm ↗

Ready?

Trade now.
Pay later.

Download FOMO, get approved by Klarna or Affirm, and fund your first trade today.

Sign up for FOMO

Referral code PAYLATER is applied through this link.

Guides

Everything about buying crypto with buy now, pay later and getting money onto FOMO.