EASY AS 1,2,3...
With Klarna, you can now spread the cost of your order over 3 months OR pay in full in 30 days time.
Simply shop as normal and choose 'Pay with Klarna' at checkout.
Once you decide to pay with Klarna, you will be directed to the Klarna site to complete your payment and choose which method of repayment you'd like - pay in 30 days or spread your payments over 3 months.
Klarna won't charge you late fees or interest but your card will be charged automatically when the time comes to pay for your order so please always make sure you have the funds available for payment and always shop responsibly.
Paying later or in instalments are great ways to budget and spread the cost of your spending – but do think carefully about your finances before picking any kind of 'pay later' option. Make sure you plan ahead and have enough money to pay the amounts back each month.
If you choose Klarna's pay in 30 days or Pay in 3 options, Klarna will never charge interest or late fees, and there is no impact on your credit score (either for choosing to use Klarna, or if a payment is late or missed). This doesn't mean you should go wild, though. It's more about enjoying the choice to spend flexibly, and you should be sensible with the amount of stuff you buy. Plus, don't forget to keep checking in on any remaining pay-later balances...
Just so you know, Klarna will perform soft searches with credit reference agencies when you take out its payment options (‘Pay in 3’ or ‘Pay in 30 days’) – this is just to check that you're eligible. Don't worry, this won't impact your credit file and it's only visible to you and Klarna.
If you have any trouble with your order, please contact Klarna Customer Service