fomo.loans / How to Buy Crypto with Klarna (Pay Later)
Buy crypto with Klarna
Most exchanges say no to Klarna. FOMO takes Apple Pay, and the Klarna Card lives in Apple Wallet. That's the route.
Short answer: you can't pick "Klarna" at a crypto exchange's checkout, but you can use the Klarna Card (a Visa) in Apple Wallet to deposit on FOMO, then convert that purchase to Pay in 4 in the Klarna app within 12 hours.
Why "buy crypto with Klarna" usually fails
Klarna's pay-later checkout button only appears at merchants that integrate Klarna, and Klarna has said it won't offer BNPL at crypto checkouts. Articles from 2022 that say "no" are describing that checkout button. They aren't describing the Klarna Card.
The Klarna Card is different. It's a Visa issued by WebBank that works anywhere Visa is accepted, including Apple Pay. After you make a purchase of $30 or more with it, Klarna lets you convert that purchase into four interest-free payments inside the app. The merchant never sees Klarna; it sees a Visa.
How to buy crypto with the Klarna Card on FOMO
- Download FOMO. Sign up with email or Apple ID. Use this link so referral code PAYLATER is applied; it can't be added later.
- Get the Klarna Card. Apply in the Klarna app. It's a soft check with no credit-score impact and the virtual card is issued in minutes.
- Add it to Apple Wallet. In Klarna, open the card and tap Add to Apple Wallet.
- Deposit on FOMO with Apple Pay. Tap Deposit, choose Apple Pay, enter an amount of $30 or more, and select the Klarna Card in the Apple Pay sheet. Confirm with Face ID.
- Convert to Pay in 4. Open the Klarna app within 12 hours of the purchase and choose Pay in 4. You pay 25% today and the remaining three payments every two weeks, interest-free.
Klarna Card limits and terms for a crypto deposit
| Item | Detail |
|---|---|
| Minimum to convert | $30 purchase |
| Conversion window | 12 hours after purchase, in the Klarna app |
| Pay in 4 cost | 0% interest; 25% down, then 3 biweekly payments |
| Other plans | Pay in 30 days; monthly financing at 0–35.99% APR |
| Credit check | Soft check to apply; no credit-score impact |
| Where it works | Anywhere Visa is accepted, online and via Apple Pay / Google Pay |
What to watch for
- Merchant category. Klarna's help center says purchases in some financial-services categories are only eligible for pay-in-full mode. If Pay in 4 isn't offered for your FOMO deposit, the charge is simply paid in full from your Klarna balance, like a debit card.
- Purchasing power. Your approved amount is shown in the Klarna app. Deposits above it will decline.
- Crypto is volatile. The installments are due whether or not your trade goes up. Only borrow what you can repay.
FAQ
Can you buy crypto with Klarna?
Not at a Klarna checkout button, but yes with the Klarna Card. The card is a Visa that works through Apple Pay. FOMO accepts Apple Pay deposits, and purchases of $30+ can be converted to Pay in 4 in the Klarna app within 12 hours.
Can you buy Bitcoin with Klarna Pay Later?
Klarna's Pay Later checkout isn't offered at crypto exchanges. The Klarna Card route works the same for Bitcoin, Ethereum or any token on FOMO: deposit with the card via Apple Pay, then convert the purchase to Pay in 4 in the Klarna app.
Does buying crypto with the Klarna Card affect my credit score?
Applying for the Klarna Card is a soft check with no credit-score impact. Missed Pay in 4 payments can be reported to credit bureaus.
What if Klarna doesn't offer Pay in 4 on my FOMO deposit?
Klarna restricts some financial-services merchant categories to pay-in-full mode. If no plan is offered, the deposit is paid in full from your Klarna balance and still lands on FOMO instantly.
Does this work in the UK?
The Klarna Card and Klarna on Apple Pay are available in the UK, but FOMO's availability and deposit methods vary by region. Check the FOMO app in your country before relying on it.
Trade now. Pay later.
Download FOMO, get approved by Klarna or Affirm, and fund your first trade today. Referral code PAYLATER is applied through this link.
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