🏆 Quick Verdict
- Choose Klarna if: You want more stores, lower late fees, more options
- Choose Afterpay if: You use Cash App
📊 Klarna vs Afterpay Comparison
| Feature | Klarna | Afterpay | Winner |
|---|---|---|---|
| Our Rating | 4.5/5 | 4.2/5 | Klarna |
| Late Fee | $7 | $10 | Klarna |
| Merchants | 800,000+ | 348,000+ | Klarna |
| Payment Options | 3 | 1 (Pay in 4) | Klarna |
| Cash App | No | Integrated | Afterpay |
| Virtual Card | Yes | No | Klarna |
| Builds Credit | No | No | Tie |
💰 Late Fees: Klarna Wins
Klarna charges $7 per missed payment. Afterpay charges $10 (capped at 25% of purchase).
🛍️ Merchants: Klarna Wins
Klarna has 800K+ stores vs Afterpay's 348K+. Plus Klarna's virtual card works anywhere.
📱 Cash App: Afterpay Wins
Afterpay is owned by Block (Square) and fully integrates with Cash App. Manage payments in Cash App, use Cash App Card with Afterpay.