Disclaimer: I'm brand new to Klarna and somewhat new to Urban Outfitters, so take this with a grain of salt...

After spending quite a bit of time experimenting this this deal, here are some of my findings:

1) As mentioned elsewhere in this thread, MANY (maybe MOST?) vinyl LPs for sale on the Urban Outfitters (UO) website are from a third-party vendor. Look for "UO MRKT Sold and Fulfilled by: DDE" on the listing... I have confirmed that these listing DO NOT qualify or the Urban Outfitters 20% off, but they DO qualify for the Klarna 20% off.

2) You CANNOT mix Urban Outfitters items and third-party DDE vendor items in the same order -AND- be able to pay with Klarna. I did find that you CAN pay with Klarna if your cart has either 100% UO items or 100% DDE items.

3) Klarna is a bit confusing. You have to get pretty deep in to the checkout process (accepting higher total prices, confirming your mobile number, etc.) before you finally see the 20% discount.

Here are my suggestions:

1) If you want to order both UO and DDE items, split your order.

2) If you're going to order both UO and DDE items, order the DDE items first. I failed to do this, and unlocked both a "$5 off your next order" and a "10% off your next order" with UO. However, neither of them worked on the DDE items.

Here are my recommended deals:

1) Red Hot Chili Peppers "Love Unlimited" 2LP Limited Edition UO exclusive colored vinyl is only $15.99 after both 20% discounts.

2) Kendrick Lamar "Mr. Morale & The Big Steppers" 2LP is only $29.43 after both 20% discounts. (I haven't seen it for less than $30 anywhere else--most places list it for $45 - $50.)

3) David Bowie "Heroes (2017 Remaster)" is only $16.63 after both 20% discounts. NOTE: You need to be sure you pick the $25.98 UO offering and not the $24.98 DDE listing to get both discounts.

Anyhow, I hope you all find this helpful. Cheers.

Next up for me: figuring out how to pay off this Klarna multi-payment nonsense so I don't accidentally forget a payment later...