Bonk now and pay later? Klarna's new subscription offer

The firm known for offering split payments for online shopping has launched a membership plan it hopes will boost its debit card and bring it respectability.

- Iona Bain reports

For a snapshot of late-stage capitalism, look no further than Klarna's new membership programme. For £17.99 a month, the buy-now-pay-later firm is offering free access to a fertility tracking app called Clue.

That's right, you can now split the cost of your trainers AND plan your baby-making in one handy subscription. Bonk now, pay later.

It's a sign of how determined Klarna is to change the way we shop and borrow. The four new membership tiers, costing between £1.99 and £44.99, come with an eye-catching range of perks, from free access to guided meditations to unlimited airport lounge access worldwide (via LoungeKey Pass).

But these memberships are also designed to do something else: boost its recently launched "flexible" debit card. This can be used to either pay for shopping upfront or to apply for a credit plan.