Klarna Bank AB, commonly referred to as Klarna, is a Swedish bank that provides online financial services.
You will see them pop up when you visit a number of retailers online, including JD Sports, Yours Clothing. They offer you the chance to receive your items before you pay for them.
You can even apply for a credit product called Slice it, allowing you to spread the cost of the repayments rather than make payment all in one go.
I have personally tried the Klarna service three times, all three times the service has worked perfectly. Items arrived in good time, the company email a link and will go on to email you the chance to be reminded about paying within 30 days.
It's handy if you are paid monthly and want something sooner.
I was refused the Slice it function at the start and haven't figured out how you apply for the facility now, but the buy now pay later service has worked well for me.
A quick review is backed up by like minded people, all commenting on how easy the transactions are.
There are a few users who have previously used the service and when they go to use it again find themselves declined, the reply from the company is to try again in a months time.
Other than that, it seems a good option if offered.
I would recommend you use it, but do be aware, the company state that if payment is not forthcoming in the 30 days a couple of reminders will be sent before further action including notifying the Credit reference agencies and or using debt collectors.