Installment purchase without Klarna: 14+ suitable mail order companies

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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. Für den Ratenkauf ohne Klarna haben wir daher 14+ geeignete Versandhäuser zusammengestellt, mit denen Probleme wie „Klarna installment purchase does not work“ der Vergangenheit angehören

Installment purchase without Klarna or other payment service providers

Here you will now find details of the stores where no payment service providers such as Klarna or Paypal be used.

StoreconditionsInstallment purchase fromInstallment purchase without Klarna?
Vexcash +
Amazon


Buy PS5 on installments 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
Provider financing: Vexcash
Supplier device: Amazon
Installment purchase without Klarna?

Yes the settlement takes place via Vexcash and therefore without Klarna.
Baur shippingInterest 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 VersandInstallment purchase without Klarna?

Yes, the store handles the installment payment itself
OttoInterest 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 PaymentsInstallment purchase without Klarna?

YesThe settlement takes place via the subsidiary Otto Payments.

Wenn du Probleme mit der PayPal Ratenzahlung hast, wird dir dieser Artikel ebenfalls weiterhelfen: 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*, targo bank*, Santander* ConsorsFinanz or other providers to process the installment purchase.

StoreconditionsInstallment purchase fromInstallment purchase without Klarna?
AmazonInterest 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: BarclaysInstallment purchase without Klarna?

Yes the settlement takes place via Barclays
Vexcash +
Amazon


Buy PS5 on installments 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
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: SantanderInstallment purchase without Klarna?

Yes, the settlement takes place via Santander
OttoInterest 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 PaymentsInstallment purchase without Klarna?

YesThe settlement takes place via the subsidiary Otto Payments.
Media MarketInterest 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
SaturnInterest 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
AlternateInterest 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: PaypalInstallment purchase without Klarna?

Yes, the settlement takes place via Paypal
Baur shippingInterest 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 VersandInstallment 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: ConsorsFinanzInstallment purchase without Klarna?

Yes, the settlement takes place via ConsorsFinanz
LidlInterest 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
ComputeruniverseInterest 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: ConsorsFinanzInstallment purchase without Klarna?

Yes, the settlement takes place via ConsorsFinanz
DigitaloInterest 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: PaypalInstallment purchase without Klarna?

Yes, the settlement takes place via Paypal
eJokerInterest 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: PaypalInstallment purchase without Klarna?

Yes, the settlement takes place via Paypal
SMDVInterest 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: PaypalInstallment purchase without Klarna?

Yes, the settlement takes place via Paypal
sourceInterest 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: PaypalInstallment 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.

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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

Buy PS5 on installments despite SCHUFA with Vexcash
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 despite Schufa


Installment purchase without Klarna

approx. €95 per month (with 6 months term)

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many PS5 drops in the recommended stores
(1) Check credit availability

(2) PS5 Check availability

Alternative store

To buy technology items like the PS5 without Klarna on installments, a loan from Vexcash is suitable, which you apply for in advance.
To buy technology on installments without Klarna, a loan from Vexcash is suitable, which you apply for in advance.

Which products are suitable for installment purchase without Klarna?

  1. Smartphones
  2. Laptops
  3. Television
  4. Washing machines
  5. Refrigerators
  6. Furniture
  7. Mattresses
  8. Stove/oven
  9. Dishwasher
  10. Fashion clothing
  11. Shoes
  12. Jewelry
  13. Cosmetics and beauty products
  14. Electronic gadgets (e.g. tablets, smartwatches)
  15. Furniture for children
  16. Baby equipment
  17. Bicycles
  18. Fitness equipment
  19. Sportswear
  20. Air conditioners
  21. Tools
  22. Audio and headphones
  23. Digital cameras
  24. Car parts and accessories
  25. Carpets and rugs
  26. Computer Accessories
  27. Outdoor grills
  28. Game consoles and games
  29. Garden tools
  30. Home theater systems
  31. Luxury watches
  32. Musical instruments
  33. Car tires
  34. Designer handbags
  35. Dumbbells and fitness accessories
  36. High quality cookware
  37. Antiques and collectibles
  38. Artwork and wall decoration
  39. Printer and scanner
  40. Karaoke equipment
  41. Sailing boats and water sports equipment
  42. Animal accessories
  43. Electric scooter
  44. Cell phones and accessories
  45. Furniture for the home office
  46. Outdoor furniture
  47. Electric tools
  48. Snowboards and ski equipment
  49. 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.

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