Image of a woman carrying shopping bags, pink background "Klarna Payment Options"

Klarna .. The smarter way to shop

How does Klarna work?

Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.

SimplifiedSnippet Web Body PayIn30 ChooseKlarna 3x2 Global

1. Choose Klarna at checkout

Click on the pink badge and pay and Choose your preferred plan. 


SimplifiedSnippet Web Body FlexiblePayments 3x2 Global2. Choose your payment option

You can Pay now, Pay in 3 interest-free payments or Pay in 30 days.*

SimplifiedSnippet Web Body FlexiblePayments ManagePayment 3x2 UK3. !Manage everything in one place!

Make any remaining payments in the app. We’ll keep you on track with reminders and updates.

 

Klarna Pay in 30

Pay in 30 days

Shop now. Pay in up to 30 days with Klarna.*

Pay in 30 days

Get what you love today and pay up to 30 days after placing your order. No upfront payments.

 

Klarna pay in 3

Pay in 3

Spread the cost into 3 interest-free instalments, paid automatically every 30 days.*

 Pay in 3 instalments

Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest.


* Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions. 

 

 Klarna FAQ's

Does Klarna impact my credit score?

Does Klarna perform a credit check, and will this affect my credit score?

Depending on the payment method or service you choose, we may perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.

Using the below Klarna payment options will not affect your credit score. However, existing, late and unpaid balances, and payment holidays, are visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.

  • Choosing to ‘Pay in 3 instalments’
  • Deciding to ‘Pay in 30 days’
  • Creating a ‘One-time card’
  • Applying for one of our Financing options

    Using Klarna might affect your credit score when:

    If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.

    What is an Affordability Assessment?

    When you choose the Financing option you will be asked to provide or confirm some details about your financial situation. We’ll use this information to decide whether we think you are able to meet your repayment obligations.

     What information do I need to provide when I buy?

    To make a purchase with Klarna you need to provide:

    • Your phone number
    • Email Address
    • Current billing address
    • A valid debit/credit card

      We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.

      All information will be sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.

      Good to know: If you change your email address after you have placed an order, please contact Customer Service and we will help you update your information.

       

      Back to blog