Klarna Pay in 3/Pay in 30 days
Klarna offers two interest-free payment plans Pay in 3 or Pay in 30 days.
Klarna Pay in 3 is an interest-free loan that lets you split your purchase into 3 equal instalments.
Klarna Pay in 30 days gives you the flexibility to pay up to 30 days later.
Just select Klarna at the payment screen during the checkout process and then choose Pay in 3 or Pay in 30 days from the options. After selecting it, you can apply for a Klarna account in a few simple steps, get an instant decision and finish checking out. Please note that Klarna's decision making process is automated and that approval is based on their internal checks.
There is no interest, fees or charges for choosing to pay with Klarna Pay in 3 or Pay in 30 days.
You may repay the amount you owe in full at any time, without any fees or charges.
Klarna Pay in 3 or Pay in 30 days is only available customers over 18 living in the UK (excluding Channel Islands), with a UK payment card, a UK billing address, a valid email address and UK mobile number.
You should make sure the card you use has enough money available to cover all the payments.
Klarna may run a soft credit check with an external credit reference agency when you apply if they need more information to make their decision. This search will only be visible to you. If you decide to use Klarna Pay in 3 or Pay in 30 days, your repayment history will be shared with credit reference agencies to promote responsible lending.
Klarna Pay in 3 and Pay in 30 days are unregulated credit agreements, so you will have fewer protections under these agreements than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 or Pay in 30 days and of missing payments, including making other borrowing more difficult or more expensive.
Klarna charges a late fee for late payments. If your order is over £20, the late fee is £5, if it is £20 or less, the late fee is 25% of the order. For example, if your order's total value is £16, you will be charged a £4 late fee.
There is a maximum of two late fees per Pay Later order and if you have less than £1 left to pay no late fee is charged.
Missed payments may affect your ability to use Klarna in the future and they may pass unpaid debt to a debt collection agency.
Klarna Pay in 3
Klarna Pay in 3 is an interest-free loan that lets you split your purchase into 3 equal instalments.
Your first payment is made when you make your purchase with the second an third payments being taken 30 days and 60 days after the first payment. The dates these payments are due will be sent to you by email, and you'll be able to check them on the Klarna app.
Your payment card is charged automatically when your payment is due so you don't have to worry about missing a payment.
For more information regarding Klarna Pay in 3 please see their T&Cs.
Klarna Pay in 30 days
Klarna Pay in 30 days gives you the flexibility to pay up to 30 days later.
Klarna will send you a payment reminder with details on how to make payment, or if you have opted for autopay notify you of the payment amount that will taken and on which date.
For more information regarding Klarna Pay in 30 days please see their T&Cs.
If at any point your financial circumstances change contact Klarna to discuss this by using their Customer service page.
Klarna Pay in 3 and Pay in 30 days are offered by Klarna Financial Services UK Limited, 10 York Road, London, SE1 7ND. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA.