Klarna, an alternative to traditional credit, enables you to buy now and pay later. Klarna allows you to spread the cost of your purchase in 4 equal, interest-free payments. When you apply for a Klarna One-time card to pay for your purchase, Klarna will run a soft credit check, which will not affect your credit.
Citizens Pay offers financing, a traditional form of credit. Financing with Citizens Pay allows you to spread the cost of your purchase over a longer period of time and requires a hard credit check for final loan approval.