To those of you who doesn&#x27;t know Klarna, it&#x27;s pretty big in Sweden (and also used in the other Scandinavian countries).<p>When you order a product online, you will not pay by credit card. Instead, you will receive an invoice with the product - so you don&#x27;t pay until you have it. Furthermore, they&#x27;ll give you 30 day credit, and can even split the payment over several months (3, 6, 12, 24 or 36) for an extra fee.<p>It&#x27;s pretty easy to pay by installments. You get the invoice with the full amount to pay. If you then pay a lower amount (e.g. full_amount&#x2F;12 to pay over 12 months), you will automatically be transferred to the split plan, and get a new invoice every month for 10 months.<p>I think it&#x27;s very used in Sweden, where they&#x27;ve had an habit of paying via invoice instead of credit&#x2F;debit card for years.<p>Klarna tried a few years ago to enter the market here in Denmark, but I don&#x27;t think it has been a huge success. People in Denmark are more used to just pay with credit card, and I think that&#x27;s the same problem Klarna will face in the US.