klarna
Klarna not only offers a “Pay in 4” option where you pay four payments, including a down payment, once every two weeks, and without interest, but also offers a “Pay in 30” option. Pay in 30 allows you to purchase with $0 down, as long as you agree to pay in full within 30 days. There is also a monthly installment option for larger purchases, but it is subject to interest.
Klarna does not perform a credit check when you download the app or create a Klarna account. However, if you take advantage of the Pay in 4 or Pay in 30 options, a soft credit score pull is performed.
Pros
Klarna does not perform a credit check when you download the app or create a Klarna account. However, if you take advantage of the Pay in 4 or Pay in 30 options, a soft credit score pull is performed.
Pros
- No interest if paid off within four payments or 30 days (whichever plan you choose)
- Available for a variety of purchases
- Credit check performed
- Late fees charged, up to $35 depending on your payment plan