Is Klarna’s “buy now, pay later” product effectively consumer credit?

07 Sep 2026 - 08:10
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Earlier this year, Klarna lost two cases before Dutch financial complaints institute Kifid (Klachteninstituut financiële dienstverlening): https://lnkd.in/dJs-eVHn The key question: Is Klarna’s “buy now, pay later” product effectively consumer credit?In those earlier cases, Kifid said YES. Now, it has reached a very different conclusion. A consumer made thirty purchases at a webshop over a one-month […]

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