> So how do they make money? Generally the logic on "free" financing by the seller is that without it, they may have not made a sale at all. Sure it cuts into

> So how do they make money? Generally the logic on "free" financing by the seller is that without it, they may have not made a sale at all. Sure it cuts into their margins, but offering rebates would have had a similar effect. Klarna probably still charges the vendor a few bucks for handling the thing.