WHO ARE KLARNA?
Klarna is a payment service provider, from Sweden, who take end-to-end responsibility for your payment. They support 60 million consumers worldwide in over 70,000 online stores and are very safe to use.
HOW DOES PAY LATER IN 3 INTEREST-FREE INSTALMENTS WORK?
Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. The first payment is made at the point of purchase with us, with remaining instalments scheduled automatically every 30 days. You can always monitor your payments’ schedule in the Klarna app.
AM I ELIGIBLE FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?
To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?
Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
WHAT DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?
If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?
As soon as we have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.