Klarna Loans Now Impacting Mortgage Approvals: What Homebuyers Need to Know

Dallas-Fort Worth, Texas – A recent shift in how 'Buy Now Pay Later' (BNPL) services, specifically Klarna, report consumer loans to credit bureaus is causing unexpected hurdles for prospective homebuyers. Mya Patković, a local real estate agent, recently shared a cautionary tale involving her client, whose home purchase was nearly derailed due to a previously unreported Klarna loan. According to Patković, as of June 2025, Klarna began reporting these loans on credit reports. This change means that BNPL debts now contribute to a buyer's debt-to-income (DTI) ratio, a critical factor in mortgage qualification. In her client's case, a 'soft pull' of their credit report just before closing revealed the Klarna loan, pushing their DTI ratio out of acceptable limits and preventing the scheduled closing. "We were supposed to close this Thursday, but we're not closing," Patković stated in her video. "The Klarna loan just popped up on their credit report, and now their debt-to-income ratio is off." Fortunately, the client's loan was small enough to be paid off, allowing for a potential rescheduling of the closing, provided the seller remains cooperative. Patković emphasized this as a crucial warning for anyone currently in the process of purchasing a home or planning to apply for a mortgage. She strongly advises individuals to pay off any BNPL loans as soon as possible, ideally before applying for a mortgage, to prevent similar complications.

The Mary Sue

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