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.
That’s how fucked our economy is. There is a significant number of people so close to the edge that buying an extra 10 days before eviction is the final gasp before becoming homeless.
Yes. Previously the alternative was payday loans, which charged exorbitant interest rates.
People have tried to ban these sorts of predatory loan businesses before but it usually forces people into the hands of organized crime loan sharks who charge even more exorbitant interest and exact brutal punishments on people who don’t pay up.
They should be illegal. The literal only difference between these ‘services’ and the mob is they typically don’t break your knees.
But that’s not the only despicable thing about the mafia’s racket.
These people squeeze the last blood from people who often become homeless anyhow; whereas if landlords had souls, many people could at least keep their housing and not be so vulnerable to predators.
Same goes for Klarna if you miss payments.
That's how you keep score in bowling.
Unless they are using the "Klarna Glitch" (see Identity theft)
https://frankonfraud.com/the-klarna-glitch-that-isnt-inside-the-new-viral-trend/
Wait til they find out about the "gun glitch" (armed robbery)
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.
Oh my yes!
I lost interest after like the second sentence. Sounded too much like a middle school math problem.
Yikes, alright, good luck
Fwiw there's no interest on Klarna where I live 🤷
And where is that? 🤔
Where I live there's a bit of interest when you postpone your payments further than 30 days. Other than that, no interest. Just like a regular credit card.