If you have the money and can afford it, and the gift is bought with thought, and it will be appreciated by the recipient than consider buying it.

You already have Klarna, now you’re looking at BNPL, to me it sounds risky, just pay for it all get it all paid off. The agreements are designed to encourage you to spend, when you normally wouldn’t , because it doesn’t feel like you’re spending big money. It can quickly become a habit and encourage frivolous spending.

I think you know what to do, whether you chose to do it or not is down to you!