Be aware! They do not appriciate you! Klarna used to be a great option for those who just moved to America & had no credit history,or anyone,who had a bad credit score(not necessarily because of his fault!)Now Klarna started to calculate your purchase power based on credit score.There were a ton of loyal customers,who payed their Klarna payments always in time & now their purchase power has dropped from $900 to $0, despite their great payment history @Klarna.Their customer service is horrible!