Things like Klarna make me feel really uncomfortable because they seem to market themselves to people of my age group (early 20s) when you might not have the greatest credit score anyway, or you've just started uni and have student loans, and then it promotes the idea that you can buy whatever even if you can't afford it there and then, and get sucked into (even more) debt. I also think it promotes fast fashion which isn't good for the environment. I see it advertised a lot on Pretty Little Thing, ASOS, Boohoo, Missguided - sites like that, usually ones that are endorsed by Love Island stars. I can see why it's enticing though and suppose it IS useful if you use it sensibly!! just doesn't sit right with me