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paying up front when offered an interest free loan, especially in a high interest rate environment is not really rational though. i have excellent credit but klarna doesn't offer its services to me, i suspect because they expect i will make the payments on time and become unprofitable.

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I suspect that whatever transaction Klarna did not offer its services to you during was an outlier.

Klarna is paid by the merchant when you select them as a payment method. They definitely want people with excellent credit, because people with excellent credit are low-risk.

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