Clarna relies on the fact that 3 out of 4 Americans depend on purchase and payment. Experts worry that snowball “quickly to a dangerous financial burden”

KLARNA, known for the short -term benefits -free financing for consumers, has expanded its user base to more than 100 million worldwide, with a partnership with more than 720,000 retailers. Public subscription Wednesday is a sign of the size of large and influential BNPL options. According to reconnaissance It was published on Wednesday by LEGALSHIELD for more than 2000 American adults between the ages of 18 and 80, which are three -quarters of the BNPL services, which also include products like AFFIRM, AfterPay and Sezzle. Even PayPal has a BNPL option.

Although Clarna and other BNPL services are increasingly growing – often – often Replace credit cards For some young generations – this does not mean that they are without risks. Although the service can allow consumers to divide large purchases into more digestible payments, if they have a lot of these costs, the costs can easily raise.

Rebecca said A. Carter, the lawyer for a legal forces provider with Friedman, Farm and Farm, in a statement: “We hear a story after the story of the people who are skipping themselves, and disturbing payments from various loan companies and banks.” “What many people don’t realize is that if you are not disciplined about managing the payment and balance tables, the snowball can quickly be in a dangerous financial burden.”

Analysts formulated this shift from flexible financing to a “basic bandage” before I am a pilotAccording to Intelligence stories.

What many people do not realize – by 40 % of consumers, according to Legalship – is that BNPL will soon affect credit degrees for people who use them to buy things such as clothes, furniture, concert tickets, food, or even Airbnb He spends. Starting from this fallFico results will include BNPL data from consumers.

“Buy now, subsequent loans are playing an increasingly important role in consumer financial life,” Jolly May, Vice President and Director General of B2B in Fico said in a statement. “We enable lenders to evaluate credit readiness more accurately, especially for consumers who are the first credit experience through BNPL products.”

Complex

LEGALSHILD also warns that 45 % of BNPL users have faced legal or contractual disputes of using the financing service, with 62 % of billing preparation errors and 60 % forced to pay even after the items return. But many of these clients only surrender, found Legal interest, and paid incorrect fees or do not know that they have the legal right to conflict over them.

Carter said: “BNPL has evolved from the simple payment option to a complex financial tool, without appropriate understanding and legal directions, which could become gradually for families,” Carter said.

Certainly, not all aspects of BNPL services are bad. They have given consumers more purchasing power, an interest -free option to push the main purchases, and immediately satisfy customers who have to save for a long time to make a high -ticket purchase. It was also positive for merchants in that they could increase sales volume and expand the demographic composition of the new customer.

Personal financing experts also provided consumers for lack of fatigue by BNPL payments – do not spend more than you do.

“Credit card debt is a terrible place to be. Use interest rates are incredible, and if you find yourself in this trap, it may be very difficult to go out.” luckPreston is the lead. “If it is transit, not need, you must wait.”

Consumers can also expect more BNPL innovations in the future – especially in the light of Klarna.

“This is not the finish line. It is the fuel,” CEO Claarna and its founder, Sibitian Simiakovski, said in a statement about the public subscription. “For us fuel to continue disruption, maintaining innovation, and maintaining life is easier for millions of people there.

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