السلام عليكم ورحمة الله وبركاته أحسن الله إليكم When buying a product via paypal or klarna, there is an option to buy and pay 30 days later (to klarna/paypal). Is this permissible, even though if one might miss the payment, they have to pay a late fee? بارك الله فيكم

Ustadh AbdulAziz al-Haqqan

If the provider pays the merchant on your behalf and you then repay the provider the same amount, this is a loan, and any late fee that is stipulated for delaying the repayment is riba, so this option is not permissible.