Klarna comes under fire from consumer protection and regulatory authorities. The British advertising regulator has already banned Klarna advertising in 2020 because the provider encourages customers to use credit irresponsibly. Since electronic items are often only affordable for many via installment payments, but Klarna has a bad reputation, the focus today is on alternatives. Therefore, here you will find ways to buy by mail order without Klarna on installments. We have therefore put together 14+ suitable mail order companies for installment purchases without Klarna, with which problems such as "Klarna installment purchase does not work" are a thing of the past
Installment purchase without Klarna or other payment service providers
What you can learn here
- Installment purchase without Klarna or other payment service providers
- Installment purchase without Klarna, but with other payment service providers
- Expensive technology items become affordable with an installment purchase
- The problem of installment purchases with Klarna and Paypal
- Other disadvantages of an installment purchase
- Example: PS5 installment purchase despite SCHUFA
- Which products are suitable for installment purchase without Klarna?
Here you will now find details of the stores where no payment service providers such as Klarna or Paypal be used.
| Store | conditions | Installment purchase from | Installment purchase without Klarna? |
|---|---|---|---|
| Vexcash + Amazon  | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | Provider financing: Vexcash Supplier device: Amazon | Installment purchase without Klarna? Yes the settlement takes place via Vexcash and therefore without Klarna. |
| Baur shipping | Interest charges: 15,79 % p.a. eff. + 0,67 % rate surcharge Duration: 3 - 48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pause: 100 days payment break possible (extra charge) | Supplier: Baur Versand | Installment purchase without Klarna? Yes, the store handles the installment payment itself |
| Otto | Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods. | Provider: Otto Payments | Installment purchase without Klarna? YesThe settlement takes place via the subsidiary Otto Payments. |
If you have problems with PayPal installment payments, this article will also help you: PayPal installment does not work: how to fix these 11 blockers directly.
Installment purchase without Klarna, but with other payment service providers
Here you can find all the details of the stores where you can buy on installments without Klarna. In contrast to the table above, stores are also listed here that use payment service providers like Paypal, Barclays*, Targobank*, Santander* ConsorsFinanz or other providers to process the installment purchase.
| Store | conditions | Installment purchase from | Installment purchase without Klarna? |
|---|---|---|---|
| Amazon | Interest charges: 9.03 % p.a. eff. Duration: 3 - 30 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: Financing without interest can be taken for 3 months | Provider: Barclays | Installment purchase without Klarna? Yes the settlement takes place via Barclays |
| Vexcash + Amazon | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | Installment purchase provider: Vexcash Supplier device: Amazon | Installment purchase without Klarna? Yes the settlement takes place via Vexcash and therefore without Klarna. |
| Cyberport | Interest charges: 0 % up to 24 months; 8.49 % p.a. eff. up to 60 months Duration: 6 - 60 monthly installments Order value: min. 99 € Payment pause: For a fee of 40 €, installment dates can be postponed. | Provider: Santander | Installment purchase without Klarna? Yes, the settlement takes place via Santander |
| Otto | Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods. | Provider: Otto Payments | Installment purchase without Klarna? YesThe settlement takes place via the subsidiary Otto Payments. |
| Media Market | Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Targobank Santander ConsorsFinanz | Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned |
| Saturn | Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Targobank Santander ConsorsFinanz | Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned |
| Alternate | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase without Klarna? Yes, the settlement takes place via Paypal |
| Baur shipping | Interest charges: 15,79 % p.a. eff. + 0,67 % rate surcharge Duration: 3 - 48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pause: 100 days payment break possible (extra charge) | Supplier: Baur Versand | Installment purchase without Klarna? Yes, the store handles the installment payment itself |
| Expert Technomarkt | Interest charges: 7.24 % p.a. eff. 0% financing available with 10 to 18 months term Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 10.000 € Payment pause: not possible | Provider: ConsorsFinanz | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz |
| Lidl | Interest charges: 6.99 % p.a. eff. Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 5.000 € Payment pause: not possible | Provider: ConsorsFinanz (Master Card) | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz |
| Computeruniverse | Interest charges: 9,9% p.a. eff. 0% financing possible with 6 or 12 months term Duration: 6- 72 monthly installments Order value: min. 99 € to max. 15.000 € Payment pause: not possible | Provider: ConsorsFinanz | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz |
| Digitalo | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase without Klarna? Yes, the settlement takes place via Paypal |
| eJoker | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase without Klarna? Yes, the settlement takes place via Paypal |
| SMDV | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase without Klarna? Yes, the settlement takes place via Paypal |
| source | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase without Klarna? Yes, the settlement takes place via Paypal |
Expensive technology items become affordable with an installment purchase
Installment buying is a popular financing option that allows consumers to pay for a product in monthly installments instead of spending the full price all at once. There are many providers that offer installment purchases for technology items, including major electronics stores such as MediaMarkt and Saturn, as well as online stores such as Amazon* and eBay*.
The best-known providers of installment purchases are Klarna, Paypal, ConsorsFinanz, Santander and Targobank. Often, installment payments can be flexibly adjusted, depending on the customer's budget and financial situation. Some stores, such as Baur Versand, also follow the example of some Car dealerships and offer the financing of installment purchase itself on.
Another advantage of installment buying is that there is usually no down payment or high minimum purchase amount. This means that even consumers with a limited budget can purchase the latest console. There are also providers who 0 % Financing offer, such as cyberport, MediaMarkt and Saturn, and some others.
The problem of installment purchases with Klarna and Paypal
Installment purchases through services like PayPal and Klarna offer consumers the ability to make purchases without spending all their money at once.
However, the providers are not recommended for a purchase of high-priced items, as they try to disguise the fact that you are just taking out a loan. This is because Klarna in particular presents itself as an elegant app that makes online shopping modern and flexible. At the same time Klarna high reminder fees and double-digit loan interest. the British advertising regulator therefore banned spots from Klarna as early as 2020, as they encourage the irresponsible use of credit.
However, users often only find out about this after the fact, as anything unpleasant that might prevent the purchase is well within bulky documents on the website of Klarna is hidden. This also includes the fact that Klarna reminders can lead to negative Schufa entries, which can burden the SCHUFA score and thus cause a variety of other problems.
Other disadvantages of an installment purchase
Of course, there are also disadvantages to consider when buying in installments. One of them is that the effective Annual interest rate usually higher is than with a normal Loan. This means that the customer ends up paying more than if he had paid the full price at once by means of a credit.
In addition, installment purchases are only available to certain customer groups. These mainly include permanent employees. Other groups of people such as students, the unemployed or even the self-employed are usually rejected for installment purchases.
Another important factor in installment buying is the customer's creditworthiness. As with any loan, the customer's credit rating is checked to ensure that they are able to pay the installments. Customers with a poor credit rating may have difficulty obtaining an installment purchase and may have to pay higher interest rates. Therefore, to buy technology cheaply and without Klarna, special mini loans are suitable.
Example: PS5 installment purchase despite SCHUFA
 | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | approx. €95 per month (with 6 months term) | many PS5 drops in the recommended stores | (1) Check credit availability (2) PS5 Check availability Alternative store |
|---|
Which products are suitable for installment purchase without Klarna?
- Smartphones
- Laptops
- Television
- Washing machines
- Refrigerators
- Furniture
- Mattresses
- Stove/oven
- Dishwasher
- Fashion clothing
- Shoes
- Jewelry
- Cosmetics and beauty products
- Electronic gadgets (e.g. tablets, smartwatches)
- Furniture for children
- Baby equipment
- Bicycles
- Fitness equipment
- Sportswear
- Air conditioners
- Tools
- Audio and headphones
- Digital cameras
- Car parts and accessories
- Carpets and rugs
- Computer Accessories
- Outdoor grills
- Game consoles and games
- Garden tools
- Home theater systems
- Luxury watches
- Musical instruments
- Car tires
- Designer handbags
- Dumbbells and fitness accessories
- High quality cookware
- Antiques and collectibles
- Artwork and wall decoration
- Printer and scanner
- Karaoke equipment
- Sailing boats and water sports equipment
- Animal accessories
- Electric scooter
- Cell phones and accessories
- Furniture for the home office
- Outdoor furniture
- Electric tools
- Snowboards and ski equipment
- Whirlpools and spas
The above products are either expensive, have high demand, or are considered basic needs. At TVs, Washing machines, Bicycles and cars applies all together and the interest in an installment purchase without Klarna is therefore particularly high among people with financial difficulties. If you have financial difficulties, an installment purchase without Klarna for these products can help you finance the purchase and spread the financial burden over several months without Klarna checking you.
An installment purchase without Klarna is therefore requested in summary especially when the following criteria are present:
High demand: The product fills an important need or desire that the buyer cannot immediately pay for out of pocket.
High price: The product is relatively expensive, which makes it difficult to buy in cash.
Limited liquidity: The buyer does not have enough cash to pay for the product immediately.
Financial difficulties: The buyer has a negative credit bureau or a poor credit score due to past financial problems.
Generally, installment purchases are associated with higher interest rates if you have a poor credit rating. Therefore, carefully compare the monthly burden with your income to avoid further financial difficulties through an installment purchase without Klarna.
*Affiliate link: If you use one of these links to go from my website to a provider, I may receive a commission. There are no additional costs for you. For using these links a ❤️ THANK YOU! ❤️
Disclaimer: This is well researched but non-binding information.
Continue reading:
Top 7: Buy car on installments despite negative Schufa (without bank) 
Buy PS5 on installments (also despite Schufa, without Klarna, 0 %) 
Buy PS5 in installments without Klarna 
Buy PS5 on installments despite Schufa 
Where can I buy on installments despite negative SCHUFA? - 4 creative possibilities (also for new customers) 
Buy Xbox on installments despite Schufa (Series X and S) 
Bicycle installment purchase despite negative Schufa (also e-bike) 
How to buy high quality furniture on installments despite Schufa in 9 stores without Klarna & as a new customer 
4 ways to buy a high-efficiency washing machine on installments despite SCHUFA entry 
4 ways to buy a TV in installments despite SCHUFA (Also for new customers) 
PayPal installment does not work: how to fix these 14 blockers directly 
6 Ways: Buy on installments as a new customer despite Schufa
