Klarna

Yes. Klarna holds a banking licence from the Swedish Financial Supervisory Authority (Finansinspektionen). In Sweden and Germany, it offers savings accounts with deposit protection. In other markets, it operates as a payment institution.

Klarna's Pay in 3 splits your purchase into 3 equal instalments paid over 60 days. The first payment is at checkout, then every 30 days. There is no interest in most markets, though late fees may apply.

Klarna performs a soft credit check for most products (no impact), but a hard check for its financing products. Missed payments can be reported to credit bureaus and affect your credit score.

The Klarna Visa card lets you pay anywhere Visa is accepted and choose to pay immediately or use BNPL after the fact. Monthly fee applies in some markets.

Yes. Klarna operates in the US offering Pay in 4, Pay in 30, and monthly financing options. The Klarna Card is also available in the US.