Been using Klarna in the US for many years before this app was created. I've been using their products with absolutely no problems. Around Christmas of 2020 they updated the app. I used to do their pay in four system about 15 times a month. And since Decemberilch nada it does not work anymore. 2022 update still ridiculous. Unexplainable issues. Literally one week $1,300 worth of credit available. Keep in mind nothing will be done and the next week it'll be zero. Worst algorithm ever.