[jsat]

This is one of those things where it makes people feel very smart to dunk on it, but if you think critically for a minute, the behaviors this enables are already available in objectively more harmful ways: credit cards and payday loans.

This makes things better, not worse.

Obviously people wouldn't be doing this ideally, but that's the world we live in, and this isn't some new phenomenon or some sign of the times.

[elicksaur]

Have you read the fine print on their website? It’s literally just a credit card/payday loan. The rates if you miss a payment go as high as 33% APR

https://www.klarna.com

Edit: since it might vary by location, here’s what footnote 6 says for me, in part:

> A $1,000 purchase might cost $181.04 per month over 6 months at 28.99% APR.* *Rate ranges from 7.99%-33.99% APR based on creditworthiness and subject to credit approval…

[rchaud]

It appears that a simple bit of corporate 'synergy' camouflage has tricked you into thinking this is not a payday loan. Maybe those dunking on it are on to something.

[parpfish]

or maybe it'll help highlight how dependent we've become on credit cards meditating almost every financial transaction.

i distinctly remember ~20 years ago a that a friend bought a cup of coffee using a credit card and we all made fun of him for it because we thought he was trying to show off. "credit cards are for emergencies and big things like plane tickets, not a three dollar coffee".

now, i go weeks without having any cash on me.