What is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Did you know that they provide smooth payments to more than 200,000 online stores & that 85 million consumers worldwide have trusted Klarna to securely handle their payments?
With Klarna, you can choose to:
Pay in 3 - Spread the cost of your purchase into 3 interest-free instalments, automatically charged from your card every 30 days.
Pay in 30 days - Pay up to 30 days later. There are no fees, late charges or interest. Ever.
How does Klarna work?
- Add your products to your cart and select Klarna at checkout.
- Just enter your details and you’ll know instantly if you’re approved.
- Not sure when to pay, or if your order's confirmed? Don’t worry, Klarna will email you shortly.
How does 'Pay in 3 interest-free instalments' work?
‘Pay in 3 instalments’ is an alternative to traditional credit but without any interest, which allows you to split purchases into 3 payments. These payments will be automatically withdrawn from the debit/credit card you have on file with us every 30 days until the full order amount has been paid. In the Klarna app, you’ll also have the option to pay off a single instalment or even the entire balance earlier if preferred. However, at this time it’s not possible to change the scheduled payment date to a later date.
If your order is eligible for ‘Pay in 3 instalments’, you can select the option in the checkout and enter your debit or credit card information. When you attempt to place an order using our Pay in 3 payment method an authorisation hold is placed on the card you have connected in the Klarna App, to reserve the funds for the first instalment.
As soon as the store ships your order, you will receive an email from Klarna outlining your payment schedule and the first payment will be taken from the reserved amount on your credit/debit card. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!
Good to know: There is no fee to use ‘Pay in 3 instalments’!
How does 'Pay later in 30 days work'?
Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees. In the Klarna app you’ll have the option to pay off the balance earlier or extend the due date to a later date if needed.
If your order is eligible for ‘Pay in 30 days’, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable here or in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!
Good to know: There is no fee to use ‘Pay in 30 days’!
Am I eligible for 'Pay later in 30 days'?
To use ‘Pay later in 30 days’ or 'pay in 3 interest-free instalments’, you must be at least 18. While both payment options are widely promoted, ‘Pay later in 30 days’ and 'pay in 3 interest-free instalments’ are subject to your financial circumstances. It’s worth noting that Klarna’s assessment will not affect your credit rating. Borrowing beyond your means could seriously affect your financial status though so please ensure you can afford to make your repayments on time by their due date.
What do I need to provide when I make a purchase?
If you want to purchase with Klarna you’ll need to provide your name, address and email address. For some orders, you may need to supply your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements, so it’s (very) important that you give us the correct details.
What happens if I don't pay for my order?
If you choose the option 'pay in 3 interest-free instalments’, Klarna will automatically attempt to collect the payment for your 'pay in 3 interest-free instalments’ purchase from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date, Klarna will make one further attempt to automatically collect payment two days later. However, should this last payment attempt fail, Klarna will send you a statement for the full outstanding order amount which will become payable 15 days later. Klarna will notify you when a payment is due two days in advance of attempting to collect your payment, plus, you can always monitor the due date in Klarna app at your convenience.
If you choose the option ‘Pay in 30 days’, payment is due 30 days after the item is shipped. To help you pay on time, Klarna will alert you two days before payment is due – you'll receive a push notification from the Klarna app or email reminders to pay – and, if very late, they'll send you a text or letter, too.
Your credit score will not be impacted by using Klarna’s 'pay in 3 interest-free instalments’ or ‘Pay later in 30 days’ products, even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. Failure to make payment on time could result in your debt being passed to a debt collection agency, so please spend responsibly.
Will a credit search be carried out?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Vera-Bee run credit searches against you that could impact your credit rating.
Can I pay before the due date?
Yes. Just go to the Klarna app or log in to Klarna.com/uk to make a payment.
If I have asked for a refund, how will I be refunded?
Refunds will be issued back to the debit or credit card that was originally entered at checkout.
Why have I not been offered 'Pay later in 30 days' or 'Pay in 3 interest-free instalments'?
Although ‘Pay later in 3 interest-free instalments’ and ‘Pay later in 30 days’ are widely promoted, it is not always universally available. The 'pay in 3 interest-free instalments’ and ‘Pay later in 30 days’ payment options are automatically generated by algorithms that are dependent upon several factors including your address details, cardholder details, amount of order, the online store, previous order history and item availability.
I have more questions...
For extra support, please visit the Klarna app or Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.