![]() Here’s the scary thing: You don’t even need to download the Klarna app or go to their website to use their services. That means you can use their payment options to get everything from fashion and electronics to beauty and home goods. stores like Macy’s, H&M, Nike and Sephora. Klarna partners with over 250,000 different shops all over the world, including popular U.S. At that point, you’ve just about added a fifth payment when you could’ve just budgeted, saved up $100, and paid for the shirt all at once! If you’re late on three of those four payments for that $100 shirt, it’s now a $121 shirt. ![]() 3 I know, I know-$7 doesn’t seem like the end of the world. ![]() If your card declines on your second, third or fourth Klarna payment, they’ll tack on a fee of up to $7 for each missed payment. And while that option doesn’t collect any interest, it can collect late fees-I know y’all are smart enough to see this one coming. Pay off debt fast and save more money with Financial Peace University.īut Klarna’s Pay in 4 option is definitely the most popular-that’s the one you see all the store websites using. That’s an extra $171 you could’ve had in your pocket! If you choose to take 24 months to pay for a $500 coat, you’d only have to pay about $28 a month, but you could end up paying about $671 for that coat after two years. 01% away from being 30%, you guys! (I’m really good at math.) Option three is Klarna’s only payment option that comes with interest-and the APR (annual percentage rate) can be as high as 29.99%! 2 Dang, that’s just. But option three is by far the most dangerous, so we’re going to talk about that one first. Honestly, I don’t like any of those options.
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