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PayPal Credit includes: (1) Instant credit check (all PayPal Credit plans require a check), (2) preset credit terms for new customers (a new customer's credit score and credit history don't influence interest rates and repayment lengths); and (3) instant checkout

Klarna includes: (1) Instant credit check, if credit check required (not all Klarna plans require a check), (2) preset credit terms, based on shopping cart total (customer credit score and credit history don't influence interest rates and repayment lengths), and (3) instant checkout