When can it be used to place an order?
It can be used when placing an order between £35 and £1000 and when placing an order in GBP on our UK website.
You can have multiple Pay Later in 3 with Klarna orders at the same time.
Your eligibility will be checked by Klarna with each order.
You can't buy gift vouchers using Klarna. If you have a gift voucher and you're spending more than its balance, you can use it to pay the outstanding amount.
What can you do on the Klarna app/website?
Set up a debit or credit card.
Make payments on or before the payment due date.
See past and future payment schedules.
Check payment status.
Put payments on hold if there's a problem with your order.
Contact Klarna to resolve issues.
How does paying off instalments work?
Orders are paid for in 3 equal, interest-free, monthly instalments.
You'll be asked to pay the first of the three instalments once your order has been confirmed at checkout.
Instalments 2 and 3 will automatically be collected from the debit or credit card you entered at checkout 30 and 60 days later, respectively.
You'll receive a reminder from Klarna 2 days before each instalment is collected.
If you miss one of your scheduled instalments and Klarna are unable to automatically withdraw the money from your account on the payment due date, you'll be issued with a statement for the full amount due. Klarna will reattempt to take the owed money 7 days after the payment due date. If this is unsuccessful, Klarna will make another attempt 14 days after the original payment date was due. If payment has still not been made at this point, Klarna may refer this debt to a debt collection agency and report you to credit reference agencies. During this time, Klarna will continue to attempt to take payment.
If you do not pay for your order on time, you may no longer be able to access Klarna’s payment options for future purchases. This may also affect your ability to get credit from other lenders too.
Having trouble paying with Pay Later in 3 with Klarna?
If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:
Klarna may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount.
Klarna may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to.
If it's your first time using Klarna, and you're shipping to a different address to your billing address, the payment may be declined.
You may have outstanding payments on previous Klarna statements. Once these are paid off, try Pay Later with Klarna again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay with Klarna again.
You may have missed a required field at the checkout, such as filling in your Date of Birth.
Being rejected by Klarna for one payment application does not mean you'll be rejected next time. Likewise, if your application has been accepted for one payment, it doesn't necessarily mean you'll be accepted for all future payments.