Klarna Pay Later in 3 – FAQs

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? Yep.

‘Pay in 3 interest-free instalments’ allows you to spread the cost of your purchase over 3 equal payments. Please bear in mind that the payment for each instalment will be automatically collected from the debit or credit card you entered at checkout.
Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later. A quick way to monitor your payments’ schedule? In the Klarna app.

Once your order is confirmed, Klarna will email you with payment instructions within two days. You’ll then have 30 days to try your order on, decide what you’re keeping & pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in the Klarna app or by logging in to www.klarna.com/uk

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.

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.

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, we’ll 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, we’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.