u/Intrepid_Custard_427

I've used Klarna for 3 years, loved it. 7k limit, never even close to missing a payment always pay early, 780ish credit score. Lately (February-ish) they want big down payments for financing plans. I just tried affirm for the first time and its like old Klarna 0 down for plans, 12 month financing available not just for massive purchases (which seemed to change for klarna too recently, you cant 12 month $250-$300 anymore). Seems like the end of Klarna for me, its a shame they did it to everyone including the ones who religiously paid on time.

My fiances SAVE pending applcation is ending tomorrow. We submitted a consolidation graudated payment application on April 30th. She still has not been placed in processing forebarence (im assuming this is normal). My questions are 1 - how long should it take this application currently to process and 2 - do we need to request a processing forebarence for consolidation or will it show up soon? First payment is showing due 6/8 when it ends tomorrow.