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If you’ve ever found yourself staring down a large purchase without enough money on hand, Klarna is a Swedish fintech company that may be able to help you.
Possibly the greatest thing out of Sweden since IKEA and those delicious tiny meatballs, Klarna allows you to make large purchases and split them up into smaller payments — most of the time, without interest.
So, if that new pair of expensive shoes or flatscreen TV is just calling out to you, Klarna may be the solution. In this Klarna review, we’ll explore what exactly the service is and how it works, explain how it affects your credit report, as well as address some other common questions.
What Is Klarna?
Klarna is a buy-now-pay-later service. You can think of it as an upgrade to layaway plans of the past. With buy-now-pay-later services like Klarna, you can separate purchases into smaller, more manageable payments. The best part is that you get to walk away with or have your product shipped imminently to you — no waiting around.
Klarna gives you a few different options for obtaining your shiny new toys including the ability to split your purchase into four interest-free payments, pay in full within 30 days without interest, or divide your purchase using monthly financing (interest is included).
When shopping online, Klarna is limitless, as you can create a virtual credit card for your purchases. When it comes to in-store purchases, Klarna partners with select brands, but it’s not as widely available as we wish it were at this time.
How Does Klarna Work?
All right, so we’ve caught your attention, and that solid-gold, diamond-studded poodle statute seems like the perfect addition to your minimalist living room.
But how exactly does Klarna work? Was it easy to use in our testing, and would we recommend it? In short — yes, it’s easy to use, and yes, we would recommend it to nearly everyone.
Shopping with Klarna
To get started, you’ll want to download the Klarna appwhich…
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