Klarna and the likes

I wanted to ask basically regarding klarna and the likes. Since I’ve looked up about BNPL schemes and i have purchased lots of items via klarna before in the past by buying and paying in 30 days. Would this be allowed or not? I always made sure to not delay my payments so that i avoid the late fee

Do you already have the money to pay for the items? Money that is not saved for other needs? If so, why would you use Klarna in the first place?
If not, I think you should stay away, until a Mufti can tell you otherwise.

In Germany, Klarna does not even charge you interest, if you do not pay in time (30 days).
They remind you and charge 1,20€ reminder/administration fee.