There are a number of factors taken into consideration to determine which payment methods are offered. Some stores that offer Klarna don’t offer financing. Even if the store offers financing with Klarna, it may not be available for all products and purchases. All available payment options will be presented at checkout.

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Link to answer
https://www.klarna.com/us/customer-service/why-is-monthly-financing-not-available-at-the-checkout/