KLARNA

  • WHO IS KLARNA?

    KLARNA IS A PAYMENTS SERVICE THAT HELPS YOU BUY THE THINGS YOU WANT OR NEED. RIGHT NOW, OVER 150 MILLION PEOPLE WORLDWIDE USE KLARNA AT OVER 450,000 ONLINE STORES.

  • AM I ELIGIBLE?

    YOU NEED TO BE AT LEAST 18 YEARS OLD AND A UK RESIDENT TO USE KLARNA’S CREDIT PRODUCTS INCLUDING PAY IN 3. WHEN YOU CHOOSE KLARNA THEY WILL ALSO CHECK THE INFORMATION YOU PROVIDE AND YOUR FINANCIAL SITUATION.

  • WHAT ARE THE PAYMENT OPTIONS AVAILABLE?

    PAY NOW WHICH CAN BE USED TO PAY FOR PURCHASES IMMEDIATELY USING A LIKED CARD, BANK DEBIT OR BANK TRANSFER. PAY LATER WHICH DEFERS PAYMENT FOR 30 DAYS. PAY IN 3, WHICH SPREADS YOUR TOTAL TRANSACTION AMOUNT OVER 3 DAYS PAYMENTS FOR 90S DAYS.

  • HOW DOES IT WORK?

    STEP 1: ADD PRODUCTS TO YOUR CART AND SELECT “KLARNA” WHEN YOU CHECK OUT STEP 2: ENTER A FEW PERSONAL DETAILS, AND YOU’LL KNOW INSTANTLY IF YOU’RE APPROVED STEP 3: KLARNA WILL SEND YOU AN EMAIL CONFIRMATION AND REMINDERS WHEN IT’S TIME TO PAY, AND YOU CAN MANAGE YOUR ORDERS AND PAYMENTS IN THE ...

  • HOW DOES PAY IN 3 WORK?

    KLARNA’S PAY IN 3 IS A CREDIT PRODUCT THAT LETS YOU SPREAD THE COST OF YOUR PURCHASES OVER 3 EQUAL INTEREST-FREE PAYMENTS. KLARNA WILL TAKE THE PAYMENTS FROM YOUR DEBIT OR CREDIT CARD DIRECTLY SO YOU DON'T HAVE TO WORRY ABOUT MISSING A PAYMENT. KLARNA WILL TAKE THE FIRST PAYMENT WHEN YOU MAKE THE...

  • CAN I HAVE MULTIPLE PAY IN 3 ORDERS AT THE SAME TIME?

    YES, YOU CAN. IF YOU SEE KLARNA PAY IN 3 WHEN YOU GO TO AN ONLINE CHECKOUT, THEN IT IS AVAILABLE TO YOU. EVERY TIME YOU USE PAY IN 3, KLARNA WILL CHECK TO SEE WHETHER YOU CAN USE PAY IN 3 AGAIN FOR EACH ADDITIONAL PURCHASE.

  • WHAT DOES KLARNA CONSIDER WHEN REVIEWING MY APPLICATION?

    KLARNA OFFERS PAY IN 3 BASED ON SEVERAL FACTORS SUCH AS THE PURCHASE AMOUNT AND PREVIOUS ORDER HISTORY. YOU CAN IMPROVE YOUR CHANCES OF BEING OFFERED PAY IN 3 BY ENSURING YOU PROVIDE YOUR FULL NAME AND ACCURATE ADDRESS DETAILS AND ARRANGE SHIPPING TO YOUR REGISTERED BILLING ADDRESS. ALL ORDERS AR...

  • WHAT DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?

    IF YOU WANT TO PURCHASE SOMETHING USING KLARNA’S PAY IN 3, YOU'LL NEED TO SHARE YOUR PHONE NUMBER, EMAIL ADDRESS, CURRENT BILLING ADDRESS AND YOUR CREDIT OR DEBIT CARD DETAILS. IF KLARNA NEED TO TALK TO YOU URGENTLY, THEY'LL USE THE PHONE NUMBER YOU'VE SHARED. FOR ANY OTHER INFORMATION KLARNA NEE...

  • WILL A CREDIT SEARCH TAKE PLACE?

    WHEN YOU USE PAY IN 3, KLARNA WILL PERFORM A CREDIT SEARCH. THIS MEANS KLARNA WILL LOOK AT CERTAIN INFORMATION IN YOUR CREDIT REPORT TO DECIDE WHETHER TO APPROVE YOUR PURCHASE.

  • CAN I PAY BEFORE THE DUE DATE?

    YES. JUST GO TO THE KLARNA APP OR LOG ON TO KLARNA.COM/UK.

  • HOW DO I KNOW KLARNA HAS RECEIVED MY PAYMENT?

    KLARNA WILL NOTIFY YOU BY EMAIL, SMS OR PUSH NOTIFICATION WHEN A PAYMENT IS DUE AND WHEN YOU HAVE MADE OR MISSED A PAYMENT. YOU CAN ALWAYS CHECK THE STATUS OF YOUR ORDER AND PAYMENTS IN THE KLARNA APP OR BY LOGGING IN AT WWW.KLARNA.COM/UK.

  • WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

    AS SOON AS NAMED COLLECTIVE HAS CONFIRMED WITH KLARNA THAT YOUR CANCELLATION/RETURN HAS BEEN ACCEPTED, KLARNA WILL CANCEL ANY FUTURE SCHEDULED PAYMENTS AS WELL AS REFUND ANY AMOUNTS DUE. YOU WILL SEE THE RETURN IN THE KLARNA APP IMMEDIATELY.

  • WHAT HAPPENS IF I DON’T PAY FOR MY ORDER?

    IF YOU DON'T MAKE YOUR PAYMENTS, YOU WILL BE IN ARREARS AS PAY IN 3 IS A CREDIT PRODUCT. KLARNA MAY THEN SHARE INFORMATION ABOUT YOUR MISSED PAYMENTS WITH CREDIT REFERENCE AGENCIES. THIS MEANS YOU MAY FIND IT DIFFICULT OR MORE EXPENSIVE TO USE KLARNA OR OTHER LENDERS' CREDIT PRODUCTS IN THE FUTUR...

  • WHAT IF I'VE RECEIVED A STATEMENT, BUT I'VE NOT YET RECEIVED MY GOODS?

    IF YOU HAVE NOT RECEIVED YOUR GOODS, PLEASE EMAIL US VIA OUR 'CONTACT US' PAGE TO CHECK ON YOUR ORDER AND DELIVERY STATUS. YOU CAN ALSO CONTACT KLARNA’S CUSTOMER SERVICE SO THAT THEY CAN POSTPONE THE DUE DATE ON YOUR PAYMENT OR PUT THE ORDER ON HOLD IN THE KLARNA APP WHILE YOU WAIT FOR THE GOODS ...

  • WHY AM I HAVING TROUBLE PLACING AN ORDER WITH KLARNA? WHY HAVE I NOT BEEN OFFERED PAY LATER IN 3 INTEREST-FREE INSTALLMENTS?

    ALTHOUGH PAY LATER IN 3 INTEREST-FREE INSTALMENTS IS WIDELY PROMOTED, IT IS NOT ALWAYS UNIVERSALLY AVAILABLE. THE PAY LATER IN 3 INTEREST-FREE INSTALMENTS PAYMENT OPTION IS AUTOMATICALLY GENERATED BY ALGORITHMS THAT ARE DEPENDENT UPON SEVERAL FACTORS, INCLUDING ADDRESS DETAILS, CARDHOLDER DETAILS...

  • I STILL HAVE MORE QUESTIONS REGARDING PAYMENT. HOW CAN I GET IN TOUCH?

    VISIT THE KLARNA APP OR KLARNA’S CUSTOMER SERVICE PAGE FOR A FULL LIST OF FAQS, LIVE CHAT AND TELEPHONE OPTIONS. PLEASE SPEND RESPONSIBLY. BORROWING MORE THAN YOU CAN AFFORD COULD SERIOUSLY AFFECT YOUR FINANCIAL STATUS. MAKE SURE YOU CAN AFFORD YOUR MONTHLY REPAYMENTS ON TIME. FOR ANY MORE INFO,...