“I noticed that I could buy essentials with it, and not have to pay everything up front. And it wouldn’t affect my pocket as much,” Cruz said. “When you break it up into the four payments, it’s bi-weekly. And I make sure it’s going to fall on the weeks of me getting my paychecks.”

https://www.bloomberg.com/news/articles/2022-07-10/klarna-users-seek-loans-for-groceries-gas-as-debt-risks-rises?stream=top&sref=EcccZSTc