Not a good service because they don't…
Not a good service because they don't entertain payment arrangements when someone asks for them nor do they allow purchases even after they just a couple hundred out of you for a major payment on an account, they want it all paid off, not to mention that no ones approved for easy payments unless you have 702+ credit with excellent history and if that's the case for anyone, they would not need klarna to pay for anything.
Reply from Klarna
Hi Daniel, we understand it can be frustrating if Klarna’s payment options are not available when making a purchase – especially having been approved in the past. Different factors are being assessed in real time to help our customers balance debt risk and stay on top of their spending. For more information on this, please visit us at https://www.klarna.com/us/customer-service/why-was-my-purchase-not-approved-with-klarna/.