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Klarna vs Afterpay vs Affirm: which app has fewer problems?
We compared 300 recent App Store reviews of Klarna, 300 recent App Store reviews of Afterpay and 300 recent App Store reviews of Affirm, each classified by AI into 7 complaint themes (samples from up to 6 storefronts, latest review 2026-10-22). Affirm has the fewest complaints overall: 33% of its recent reviews contain a complaint, vs 73% for Afterpay and 37% for Klarna.
Ratings at a glance
| App | All-time US rating | Ratings | Avg in our sample | Reviews analysed | Reviews with a complaint | Sample dates |
|---|---|---|---|---|---|---|
| Klarna | 4.9★ | 2.5M | 3.34★ | 300 | 37% | 2026-08-19 – 2026-10-22 (65 d) |
| Afterpay | 4.9★ | 753K | 1.83★ | 300 | 73% | 2021-05-08 – 2026-10-21 (1993 d) |
| Affirm | 4.9★ | 1.9M | 3.42★ | 300 | 33% | 2024-08-02 – 2026-10-22 (812 d) |
Complaint themes side by side
Share of all analysed reviews that mention each theme (review count in brackets). Bold = lowest. A review can mention several themes.
| Theme | Klarna | Afterpay | Affirm |
|---|---|---|---|
| Bugs | 22% (67) | 47% (141) | 22% (65) |
| Crashes / freezes | 2% (6) | 3% (10) | 4% (11) |
| Performance | 3% (9) | 5% (14) | 4% (12) |
| UX / design | 15% (44) | 6% (19) | 6% (18) |
| Pricing / subscription | 14% (42) | 37% (110) | 12% (36) |
| Ads | 1% (3) | 0% (0) | 0% (1) |
| Feature requests | 12% (37) | 17% (52) | 12% (37) |
Verdict: which one has fewer problems?
Across the latest 900 App Store reviews we collected, Affirm has the lowest share of reviews with a complaint (33%) and Afterpay the highest (73%). The biggest single difference is in bug complaints: 47% of Afterpay reviews mention them, vs 22% for Affirm. Each app's own biggest complaint theme: Klarna, bugs (67 reviews); Afterpay, bugs (141 reviews); Affirm, bugs (65 reviews). Average star rating in the samples ranges from 1.83★ (Afterpay) to 3.42★ (Affirm). Time span of each sample: Klarna 65 days (2026-08-19 to 2026-10-22); Afterpay 1993 days (2021-05-08 to 2026-10-21); Affirm 812 days (2024-08-02 to 2026-10-22). Because Klarna's sample covers a much shorter period, a single recent update or outage weighs more heavily in its numbers. Samples that reach back many months (fewer reviews per day) show long-running issues rather than the effect of one recent update.
- Fewer bug problems: Affirm, 22% of its reviews vs 47% for Afterpay.
- Crash and freeze complaints: roughly tied (Klarna 2%, Afterpay 3%, Affirm 4% of reviews).
- Performance (slowness, battery, storage) complaints: roughly tied (Klarna 3%, Afterpay 5%, Affirm 4% of reviews).
- Fewer UX / design problems: Affirm, 6% of its reviews vs 15% for Klarna.
- Fewer pricing and subscription problems: Affirm, 12% of its reviews vs 37% for Afterpay.
- Ad complaints: roughly tied (Klarna 1%, Afterpay 0%, Affirm 0% of reviews).
- Fewest feature requests: Klarna, 12% of its reviews vs 17% for Afterpay.
Gaps under 3 percentage points are called a tie. Samples are recent reviews only, so this is a snapshot of current problems, not all-time quality.
Top 3 specific issues for each app
Klarna
- Soften the redesign backlash (43 reviews, severity 2.3/3)
- Fix login / account access (31 reviews, severity 2.6/3)
- Simplify navigation (29 reviews, severity 2.2/3)
Biggest theme: bugs. Free PDF
FAQ
Which has fewer problems overall: Klarna, Afterpay or Affirm?
In the most recent App Store reviews we analysed, Affirm had the lowest share of reviews with a complaint (33% of 300) and Afterpay the highest (73% of 300). Klarna: 112 of 300; Afterpay: 220 of 300; Affirm: 100 of 300.
Which has fewer bug complaints: Klarna, Afterpay or Affirm?
Affirm. Klarna: 67 of 300 recent reviews (22%); Afterpay: 141 of 300 recent reviews (47%); Affirm: 65 of 300 recent reviews (22%).
Which has fewer crash and freeze complaints: Klarna, Afterpay or Affirm?
In our samples they are roughly tied: Klarna: 6 of 300 recent reviews (2%); Afterpay: 10 of 300 recent reviews (3%); Affirm: 11 of 300 recent reviews (4%).
Which has fewer pricing and subscription complaints: Klarna, Afterpay or Affirm?
Affirm. Klarna: 42 of 300 recent reviews (14%); Afterpay: 110 of 300 recent reviews (37%); Affirm: 36 of 300 recent reviews (12%).
Which has fewer ad complaints: Klarna, Afterpay or Affirm?
In our samples they are roughly tied: Klarna: 3 of 300 recent reviews (1%); Afterpay: 0 of 300 recent reviews (0%); Affirm: 1 of 300 recent reviews (0%).
Which is rated higher on the App Store: Klarna, Afterpay or Affirm?
All-time US App Store ratings: Klarna 4.9★ from 2.5M ratings; Afterpay 4.9★ from 753K ratings; Affirm 4.9★ from 1.9M ratings. Afterpay is highest, but all-time ratings move slowly; the recent-review samples above show current problems.
How recent is this Klarna vs Afterpay vs Affirm data?
Each sample is the most recent public App Store reviews we could collect (from up to 6 storefronts): Klarna: 300 reviews over 65 days (2026-08-19 to 2026-10-22); Afterpay: 300 reviews over 1993 days (2021-05-08 to 2026-10-21); Affirm: 300 reviews over 812 days (2024-08-02 to 2026-10-22). It is a snapshot of current problems, not all-time quality.
What is the most common complaint about Klarna, Afterpay and Affirm?
Klarna: bugs (67 of 300 reviews), top-ranked fix: “soften the redesign backlash”; Afterpay: bugs (141 of 300 reviews), top-ranked fix: “answer support requests”; Affirm: bugs (65 of 300 reviews), top-ranked fix: “fix login / account access”.
Full reports
- Klarna reviews: top complaints and what users want fixed
- Afterpay reviews: top complaints and what users want fixed
- Affirm reviews: top complaints and what users want fixed
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