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Buy Now Pay Later Can Torpedo Mortgage Chances - Klarna (NYSE:KLAR), Affirm Holdings (NASDAQ:AFRM)

Summary by Benzinga
BNPL services like Affirm, Klarna, Afterpay, and PayPal Pay Later are popular but can hurt mortgage approval. Lenders scrutinize bank statements and debt-to-income ratio, and new credit models include BNPL data. Loan officers warn of multiple plans inflating DTI.

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BenzingaBenzinga
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Buy Now Pay Later Can Torpedo Mortgage Chances - Klarna (NYSE:KLAR), Affirm Holdings (NASDAQ:AFRM)

BNPL services like Affirm, Klarna, Afterpay, and PayPal Pay Later are popular but can hurt mortgage approval. Lenders scrutinize bank statements and debt-to-income ratio, and new credit models include BNPL data. Loan officers warn of multiple plans inflating DTI.

·New York, United States
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Benzinga broke the news in New York, United States on Tuesday, November 4, 2025.
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