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Affirm vs. Klarna 2026: Which BNPL Hurts Your Credit?
Affirm charges no late fees but reports every plan — including Pay in 4 — to all three credit bureaus. Klarna charges up to $7 per missed payment but usually keeps Pay in 4 off your report. One hits your wallet, the other your score.
SmartRates Editorial Team
July 30, 2026