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June 8 2020

Curve is testing the Curve Credit, a Klarna like service

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Curve is a UK based banking platform that consolidates multiple cards into a single card and app. According to a TechCrunch report, Curve is quietly testing its “Klarna rival” option.

The “Curve Credit“ is being tested with just a small number of customers at the moment. The full launch is expected later this year.

Just like Klarna, it offers credit on purchases made with your Curve card, which is to be paid back in installments.

The major difference to Klarna is that Curve doesn’t necessarily require merchants to directly support Curve Credit as a payment option at checkout. Curve users are able to pay with their Curve debit card to access the feature.

However, some direct merchant partnerships could allow additional perks, such as merchant subsidised interest-free payments for a set period.

As a very original feature seems the “go-back-in time” credit. For example, a recent transaction is re-routed to Curve Credit where you’re presented with a repayment plan and any interest you’ll be charged.

Recently Curve also rolled out premium Curve Metal card and other features in the European Economic Area (EEA).

Read also: Curve launches premium Metal card in Europe

Leader of Curve Credit is Paul Harrald, a former founding team member of SAV Credit (now called New Day). Most recently, Harrald was at Chinese Venture Capital firm CreditEase where he ran U.K. and European private equity investments.

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