Affirm vs Klarna
Affirm vs Klarna, compared side by side on 19 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Affirm is on 62/100 and Klarna on 60/100.
Where each one leads
Affirm
Leads on none of the measures we hold for both companies.
Klarna
- agent readiness: 45/100 against 37/100
- headcount: 5,000 against 3,097
- funding raised: $9.4B against $1.9B
At a glance
| Measure | Affirm | Klarna |
|---|---|---|
| What it is | Buy Now, Pay Later (BNPL) service offering flexible payment options at checkout. | Klarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple, |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2B | B2B |
| Offering | Software | Platform |
| Founded | 2012 | 2005 |
| Headquarters | San Francisco, United States | Stockholm, Sweden |
| Status | Active | Active |
Size, funding and growth
| Measure | Affirm | Klarna |
|---|---|---|
| Employees | 3,097 | 5,000 |
| Total funding | $1.9B | $9.4B |
| Valuation | Not published | $7 |
| LinkedIn followers | 352,638 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Affirm | Klarna |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 62/100 | 60/100 |
| Traction | 60/100 | 60/100 |
| Team | 50/100 | 70/100 |
| Community | 8/100 | 8/100 |
| Search visibility | 48/100 | 16/100 |
| Quality | 70/100 | 65/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (37/100) | D (45/100) |
| Domain ratingLink authority, 0-100 | 89/100 | 92/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Affirm | Klarna |
|---|---|---|
| CDN | Cloudflare | CloudFront |
| Payments | Affirm | Klarna |
Affirm vs Klarna: common questions
Which is better, Affirm or Klarna?
On our 0-100 score Affirm rates higher (62/100 against 60/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 19 data points above: read the rows that match what you are buying for.
How do Affirm and Klarna compare on the numbers?
Klarna leads on agent readiness (45/100 against 37/100), headcount (5,000 against 3,097), funding raised ($9.4B against $1.9B).
Read the full Affirm review and pricing or the Klarna review and pricing. You can also browse other Affirm alternatives we track.