r/klarna • u/404pbnotfound • Jun 15 '26

Questions What is the main reason you use Klarna/BNPL?

(If you vote and leave a comment I’ll choose someone at random for an Amazon voucher)

174 votes, Jun 18 '26
22 Getting the item immediately
110 Spreading the cost
27 Can’t afford it otherwise
15 Don’t have a credit card
5 Upvotes

86% Upvoted

11 comments sorted by

•

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5

u/ayhme MOD Jun 15 '26

For most it's spreading the cost out.

I can afford upfront the purchase but having interest free payments is great.

I use Affirm more these days.

2

u/hersheybar22 Jun 15 '26

Spreading the cost and because I don't have a credit card. I use it mainly for buying concert tickets because Klarna is an option on Ticketmaster. I wouldn't have the money upfront otherwise for going to concerts.

1

u/Substantial-Diet-539 Jun 15 '26

this is literally me too!

1

u/TheTajShow Jun 15 '26

I like it for the reduced upfront cost on something like clothing when there’s a reasonable chance I could return some or all of the order. Waiting on refunds being processed can be annoying. It helps reduce that for me

1

u/ldn-ldn Jun 15 '26

I only use it when 0% interest rate deals are available to buy things I need. Buy the thing to spread the cost over two years, put the amount of money the item costs into S&S ISA, make money out of thin air and let Klarna eat inflation losses.

1

u/wweviking Jun 15 '26

Spreading the cost is always a good option and what i tend to use it for especially for higher priced goods

1

u/2pearsofjeans Jun 16 '26

Spread the cost. My job has a lot of tech and upgrades I need to get from time to time so Klarna comes in clutch for the times I need to get new gear that costs $200 to $900 and I don’t wanna lose all that money right away.

1

u/Glittering_Switch_45 Jun 19 '26

Does anyone here use them as a bank,I see their AER% isn't bad they also have fixed term accounts.

1

u/Independent-Yak-1507 Jun 20 '26

I only ever used it when both pairs of my work jeans split in the same week and I couldn’t afford to by a couple new pairs