I honestly really like the idea of this app basically I wanted to make a 320$ purchase but I only had 220 so I found out about Klarna and tried so many times to use it and everytime it said I wasn't approved and that it wanted to soft check my account and I thought sure why not I can try atleast... apparently my bank doesn't exist whenever I would search it up so basically good idea but things need to be fixed My advice just save your money and wait if you wanna make a materialistic purchase.