Purchasing a home is one of the biggest financial commitments most people will ever make— if they can even afford to.
For those who do manage to save and qualify, the process is already stressful enough without unexpected roadblocks.
But according to one Dallas realtor, a growing issue with “buy now, pay later” services could be making that process even harder.
A realtor says a Klarna loan nearly cost her client their house
TikTok creator and realtor Mya Patković (@mya24.7) recently shared a warning for prospective homebuyers in a video with over 292,000 views.
“Buy Now Pay Later program almost just cost my buyer a house, and no one is talking about it because this just started happening,” she said, explaining that the app Klarna—a popular short-term loan service—was the culprit.
Patković said the trouble began when her client, who was under contract for a home, suddenly had a Klarna loan appear on their credit report.
“Klarna just started reporting those loans on the credit reports as of June of 2025,” she explained. “We are supposed to close this Thursday—we’re not closing this Thursday.”
She said when the lender did a last-minute soft credit pull before closing, the new Klarna loan threw off her client’s debt-to-income ratio, stopping the deal in its tracks.
“Thankfully, this was a smaller loan and the buyer was able to pay it off,” she said, adding that they’re still working with the seller to move forward.
Patković called the experience a “warning story for all of the buyers out there,” urging anyone applying for a mortgage to pay off their Klarna or other buy now, pay later loans before moving forward.
Does Klarna report your loan data to credit bureaus?
Patković’s claims align with a September 2024 announcement from Klarna that it would begin sharing term loan data with credit bureaus in the U.S.
The move was part of what the company called an effort to “enable consumers to build their credit history responsibly.”
However, in an email to the Mary Sue, a Klarna spokesperson said the information shared by the realtor was “not accurate and very misleading.”
“We do not share BNPL payments to U.S. credit bureaus — this includes data on Pay Later and our Pay in 4 product,” they wrote. “We do report repayment activity for our Term Loan product in the U.S.; however, this information is only visible to the customer and does not impact their credit score at this time.”
The spokesperson also shared a blog post they described as Klarna’s “latest position and update on the topic.”
@mya24.7 ? My buyer almost lost their house over a Klarna loan. Buy now, cry later? ? If you’re planning to buy, WATCH THIS. #HomebuyerTips #RealEstateWarning #Klarna #Afterpay #MortgageTips #DTI #BuyNowPayLater #RealEstateTikTok #DFWRealEstate #FirstTimeHomeBuyer #MortgageAdvice #LenderTip #RealEstateAgent #HomeBuyingMistakes #CreditTips ♬ Knowledge – Vin Music
Commenters weigh in
Some TikTok users were surprised by the change the TikToker alleged, while others hoped it might actually benefit them. “I wish Klarna would show up on my credit. I’ve had it for years and never missed or been late on a payment,” one person wrote.
“Hopefully they report everything you purchased through Klarna / Afterpay / Shop because if so my credit score is going to jump crazy lol,” another added.
Others were more cynical about their home-buying prospects altogether. “I mean at the rate the world is going, I’ll never buy a house… maybe they’ll actually help my credit lol,” one commenter joked.
The Mary Sue has reached out to Patković via TikTok direct messages and Klarna via email for further comment.
Have a tip we should know? [email protected]
