[VGltZUNvbnN1]

Klarna is also in an extreme bad position they give credits to people with FICO scores way below what normal banks would count as credit worthy. You can even order take out and pay 30 days later. It's a system designed to fail.

[MrMan]

It used to be called sub-prime finance and unsecured was the lowest most toxic of them all. It's hard to change the laws of the universe