Klarna

Klarna is a financial technology company that aims to change the way consumers pay for products online

It offers a "buy now, pay later" service that allows online shoppers to purchase from major retailers without paying upfront

Consumers can pay for their purchases in four interest-free installments charged every two weeks, or pay the entire amount within 30 days

When you need to buy a big-ticket item

When you are new to credit and do not qualify for a credit card

When you have a credit card but don’t have a high credit limit

When you want to use the Pay Now feature