Klarna is not payday loans by any means. There are no loans involved. It is a BNPL company (which also offers a credit card and a bank account). Even with BNPL,

Klarna is not payday loans by any means. There are no loans involved. It is a BNPL company (which also offers a credit card and a bank account). Even with BNPL, there is a lot of leeway given to how you want to make a purchase (split in 4 etc.)