this post was submitted on 11 Feb 2026
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bro. Fucking -- Think about it. Klarna pay in 3 installments divide the cost by 3 and take payments monthly. Month A, you pay one third. Month B you pay one third of months A and B. By month C onwards you're consistently paying three thirds or 100% of the rent. You'd only defer yourself the value of one month's rent over the span of two months. Pointless.
And isn't there interest when doing this as well?
No, but there are fees for late payments and other special situations.
Their main income is from the transaction fees that they charge the merchants.
The idea is that people who don't have money can spend money and create a transaction fee on a sale that wouldn't otherwise have happened if they didn't lend the money. That way it's the same as a credit card that you only pay monthly.
The difference is that the payments can be split, so that the customers can .. uh .. utilize their entire credit maximum every month..
Needless to say, this kind of credit maximum optimization can end really badly for people who have unstable incomes. The same kind of people who might be tempted to use it.
Yeah, exactly. It's very predatory.
I don't think I'm their intended customer demographic. 😅 I use it to keep a tight check on all my purchases. Recently started doing the monthly invoice thing as well, so neat and tidy. One payment every month, then rearrange money in our bank accounts as needed based on shared economy with the wife. Bish bash bosh.