Can you buy crypto with Affirm or Klarna?
Generally no. Affirm lists bitcoin and other virtual currency as unsupported, Klarna treats crypto sellers as restricted, and big exchanges do not list either.
You generally cannot buy crypto with Affirm or Klarna. Both are buy now, pay later (BNPL) lenders that let shoppers split a purchase into instalments, and both limit which sellers can offer them. As of October 2026, crypto falls outside what Affirm supports and inside a restricted group for Klarna.
Can you buy crypto with Affirm?
No. Affirm is offered at checkout by merchants that work with it, and its merchant policy lists unsupported businesses, and that list includes virtual currency that can be cashed out or resold, with bitcoin named as an example. It also covers crypto wallets that store digital assets, crypto mining hardware sold for mining, and the creation or resale of NFTs. A crypto exchange or broker therefore cannot offer Affirm as a way to pay.
Can you buy crypto with Klarna?
Not in practice. Klarna's rules for partners place virtual, digital and crypto currencies, tokens and other crypto assets in a restricted category under financial services. Restricted means a business can only use Klarna after extra checks, such as verifying licences and reviewing its model, and Klarna can withdraw approval. That is different from a flat ban. Coinbase's US payment page, for example, does not list Klarna. It lists ACH bank transfers, debit cards, wire transfers, PayPal, Apple Pay and Google Pay.
Klarna is building its own crypto products. In November 2025 it announced KlarnaUSD, a dollar stablecoin on Tempo, the payments blockchain started by Stripe and Paradigm. Klarna said it was on testnet, not publicly available, and planned for mainnet in 2026. In December 2025, The Block reported that Klarna was working with Stripe-owned Privy to research a crypto wallet, which it described as exploratory and subject to regulators. Neither lets you split a crypto purchase into payments.
Why does buy now, pay later not work for crypto?
BNPL providers decide which kinds of sellers they will serve, and the policies above show that crypto is either unsupported or tightly controlled. Paying for an asset whose price swings, with money you will repay later, also means you could still owe instalments after its value falls. Similar issuer limits apply to other borrowed money, as covered in can you buy crypto with a credit card.
What about BNPL cards and gift cards?
Some people try to route a purchase through a BNPL virtual card or a gift card. Whether that works depends on the card issuer and the platform, and many reject it. The issues are covered in can you buy crypto with a prepaid card or gift card.
This guide explains how things work. It is not financial, legal or tax advice. Last updated .