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Pay Later On The Food Shop - Have You Used Klarna?

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I'm not sure if anyone else is like me and loves apps like Klarna. I find it great for bigger purchases I can't necessarily pay all in one go but can when split into three payments.

The supermarkets have recently started accepting this payment method which I think is so useful. The last week before pay day can be tight for a lot of us. I think its great you can now get your food shop and just pay on/after pay day!

Although you do need to be careful on these apps and make sure you only spend what you can afford a month!

Nichola1991
a week ago
What do you think of this?
Ann1984
Ann1984a week ago

This is definitely a no no if you can afford food stop using klarna on other stuff not needed.

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Nichola1991
Nichola1991
Original Poster
a week ago

Ann1984 its a great thing when unexpected things pop up. I agree its definitely not something that should be relied on but sometimes things happen. People lose jobs etc so I think its great they are now added shops that stock essentials like food that would actually need

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Mick82
Mick82a week ago

One thing my father taught me was if you can’t pay for it you can’t afford it credit is dangerous and handed out far to easily

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Sarahvwomble
Sarahvwomblea week ago

It sounds like it could be very useful sometimes but really know nothing about it,just seen a couple of times at checkout

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MrsCraig
MrsCraiga week ago

I don't like things like Klarna. I understand people saying it can be useful, for example if your cooker unexpectedly breaks and you can't afford to pay it outright but I do think that it forces people into more debt, as it allows people to buy things they can't afford otherwise. I don't mean essentials like food, but things that are considered luxuries.

We don't have a credit card or any form of loans, other than our mortgage. We save every month so that if we get an unexpected bill we can afford to pay it. I know that isn't possible for everyone and that credit is great sometimes but I just think the interest they charge is far too high, which is what puts people further into debt.

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nina090976
nina090976a week ago

I like the klarna app and clearpay,I stick to a strict budget and not exceed,those apps are very useful,...if you wish to pay monthly or 2 weekly.They are constantly updated,I had to cancel an order and the account got updated swiftly,I have had no problems x

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beccatavender
beccatavendera week ago

I have used Klarna, to spread the payments over 3 months with no problem. Plus I had a refund as the item I ordered wasnt in stock, which was painless. But like you say you have to be careful as I think it's aimed at younger people who may be tempted to over extend.

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Nichola1991
Nichola1991
Original Poster
a week ago

beccatavender I find Klarna much better than the other apps. Clearpay have given me a £600 limit which I haven't touched wheres with Klarna they don't give you a limit, they make a decision on every purchase you try to place instead.

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cats2757
cats2757a week ago

I'm a big fan of Zilch, you can literally use it to buy anything, I mostly buy takeaways 😂

I have a terrible relationship with credit but I have Zilch, Laybuy and Clearpay. I hardly ever use Laybuy or Clearpay but using Zilch regularly has improved my credit score

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ACR
ACRa week ago

I haven't used Klarna (or any equivalent company). I really wouldn't want to use it for food purchases. I would rather purchase fewer or cheaper items if I was struggling. Having to make interest payment just leaves you with less money in the coming months.

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Nichola1991
Nichola1991
Original Poster
a week ago

ACR Klarna is interest free 🙂

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NatalyKroxa
NatalyKroxaa week ago

Never used ,and don't think I will.I am not buying what I can't afford. I know for someone it could be a good help, but needs to be very careful as it may get you in a debts as well.

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Leannexxx
Leannexxxa week ago

My mother in law uses this and she thinks its great think people need to be carefully they don't over spend on it tho she's had no problems only gets what she needs and pay it back in small payments

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Golfforall
Golfforalla week ago

Buy now pay over 3 months for food 🙄!! Whatever will they think of next 🤔 Still I suppose it means you can still buy your booze ,fags , drugs etc as well as food . Great until the payments are due a few weeks down the line 😣.

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Nichola1991
Nichola1991
Original Poster
6 days ago

Golfforall I wouldn't have thought many people would actually spread it over the 3 months. When my partner was going through cancer treatment we were always skint by the last week before my pay. We managed with cheaper meals but for people who have nothing that week it could be a great life line to pay off the next week when your wages are in I thought

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ch7leach
ch7leach6 days ago

For me it's a no go, things like this were the reason I got in to a financial mess when I was younger, if I can't afford it I don't tend to get it now. I do have a rewards credit card that j use for most purchases but it's paid off before the bill arrives (normally when I get home) only use it because of rewards and extra cover on things. Credit can be a dangerous game but appreciate if used wisely it could be a good thing.

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angelik
angelik6 days ago

I haven't used Klarna or anything similar. I do understand why some people find things like this useful, and as long as people are sensible about using them it shouldn't lead to problems. But it's probably not something I would use. I only spend what I have, and would prefer to cut back and make changes to my spending if I was struggling, rather than using a service like this or a credit card.

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