What is Klarna?
Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun. That’s what we call smoooth (yes, so smoooth it needs 3 o’s).
Pay in 30 days
Make your purchase today and start enjoying what you’ve ordered right away. Pay up to 30 days after shipping and enjoy payment empowerment and peace of mind. No interest. No fees if you pay on time.
Pay in 3 instalments
Split your purchase into three equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest or fees if you pay on time.
Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.
Klarna has 3,000 employees across 17 countries, and is the pioneer in pay later options, trusted by 85 million shoppers and partnered with 205,000 merchants.
How does it work?
Step 1: Shop
Add item(s) to your cart and head to the checkout.
Step 2: Choose how to pay
Select Klarna at the checkout to pay as you like for your purchase.
Step 3: Pay
Manage your orders and payments in the Klarna app.
How does Pay in 30 days work?
With Pay in 30 days, you can pay for your order 30 days after shipping. If your Pay later request is accepted, Klarna will send you an email with payment instructions once your order is shipped. Just follow the link in the email to view your order or check your purchase in the Klarna app.
Does Pay in 30 days impact my credit score?
Klarna may run a soft credit search that does not affect a customers credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor our merchants run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.
What is Financing and how does it work?
Financing gives you the option to start paying for your goods after you have received them.
The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout phase. We will then carry out an affordability assessment. If you are approved we will then create your account.
If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.
Payment information is processed securely by Klarna. All transactions take place via secure connections secured protected with the latest industry standard security protocols.
Am I eligible for Instalments?
To use Instalments you must be at least 18. Whilst this option is widely promoted, Instalments is subject to your financial circumstances. When choosing Instalments, our assessment will not affect your credit rating.
What happens if I cancel or return my order?
As soon as the merchant has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make yourmonthly repayments on time.
Audrey Mansell is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is onlyavailable to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.