NOTHING LIKE AFTER PAY! DONT BE FOOLED! THANKS FOR NOTHING KLARNA! I just lost everything I owned in a fire & got excited that I THOUGHT I found a way to replace some clothing so I have at least SOMETHING to wear to work! I spent 4 days going through the app & finding some items that would work! ($500 @ $80 a month) after going through all of that I was denied! Mind you this is an automatic payment out of your debit or credit card! I just sat & cried! FIX THE BUGS!