What is Klarna?

Klarna is a popular payment service provider that allows customers to shop and pay in flexible ways. It offers options such as "Pay in 3" (split your purchase into three interest-free payments), "Pay in 30 days" (buy now and pay later), or longer-term financing for larger purchases. Klarna simplifies payments, making shopping more convenient for customers, and helps spread out the cost of purchases without immediate financial pressure.

How Does Klarna Work?

Klarna gives you the freedom to choose how and when you pay for your purchases. Here’s how each option works:

• Pay in 3: Split your purchase into three equal interest-free payments. The first payment is taken when your order is confirmed, and the remaining two are automatically charged every 30 days.
• Pay in 30 Days: Receive your items first, then pay up to 30 days later. No interest or fees are added if paid on time.
• Financing (Spread the Cost): For larger purchases, Klarna allows you to finance your order over a set number of months. The interest rates depend on your eligibility and the retailer’s terms.

Once you've chosen Klarna at checkout, you’ll be asked to select your preferred payment option. Klarna handles everything else, from payment scheduling to reminders.

Eligibility for Klarna

To use Klarna, customers need to meet certain eligibility criteria:

• Age: You must be at least 18 years old.
• Credit Check: Klarna may perform a soft credit check to assess eligibility for the "Pay in 3" and "Pay Later" options. This does not affect your credit score. For financing, a more thorough credit check may be required.
• UK Residency: Klarna is available to residents of the UK with a billing address in the country.
• Affordability: Klarna may decline your payment request if they believe you won’t be able to afford the payments based on your financial history or current credit profile.

Klarna reserves the right to approve or decline each order based on its checks.

Why Choose Klarna?

• Flexible Payment Options: Klarna’s variety of payment plans makes it easier for customers to manage their finances, whether they prefer to spread the cost or pay later.
• Interest-Free Payments: The "Pay in 3" and "Pay in 30 Days" options come with no added interest or fees, provided payments are made on time.
• Simple and Convenient: You can manage all your Klarna purchases through their mobile app, with easy access to payment schedules, reminders, and support.

How to Use Klarna at Checkout

Using Klarna on our site is simple:

1. Add items to your cart and proceed to checkout.
2. Select Klarna as your payment option.
3. Choose from "Pay in 3," "Pay in 30 Days," or "Financing."
4. Complete your purchase by following Klarna’s quick approval process.
5. Klarna will remind you when it’s time to pay.

Frequently Asked Questions

Does Klarna affect my credit score?

• Using "Pay in 3" or "Pay Later" doesn’t affect your credit score as only a soft credit check is performed. Financing options may involve a hard credit check that could impact your score.

What happens if I miss a payment?

• If you miss a payment, Klarna will charge late fees and may report your account to credit agencies, which could affect your credit score.

Can I return items purchased with Klarna?

• Yes, returns are handled the same way as with any other payment method. Once your return is processed, Klarna will update your balance, refund your payment, or adjust your payment schedule.