Part 1: How it works
Shop now. Pay later with Klarna.
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.
Here’s how it works:
Add products to your cart and select “Klarna” when you check out
Enter a few personal details and you’ll know instantly if you’re approved
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 Klarna app.
Part 2: Payments information
Pay in 30 days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.
Paying after delivery allows you to try before you buy and is the easiest way to shop online.
- Complete the payment in full after purchase at no added cost.
- Report returns directly in our app and only pay for the items that you keep.
- Not making your payment on time could affect your ability to use Klarna in the future.
- Debt collection agencies are used as a last resort
Pay in 30 days is an unregulated credit agreement. 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. [www.klarna.com/uk/terms-and-conditions]
Part 3: About Klarna
Pay online or in the app
Review your latest purchases and make payments in the Klarna app or online.
- Download the Klarna app: https://www.klarna.com/app
- Log in online: https://app.klarna.com/login.
- Chat with customer service: https://www.klarna.com/uk/customer-service/
Safe and secure
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases.
Frequently asked questions
Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.
- More than 150 million shoppers are using Klarna.
- 450,000 retailers are working with us worldwide.
- We’re one of Europe’s largest banks and we’ve been powering online checkouts for over 15 years.
Klarna's Pay in 3 and 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. [www.klarna.com/uk/terms-and-conditions]
Frequently Asked Questions
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.
How does Pay later in 30 days work?
Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.
Am I eligible for Pay in 30 days?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.
Can I have multiple Pay in 30 days orders at the same time?
Yes, you can. If you see Klarna Pay in 30 days when you go to an online checkout then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.
What does Klarna consider when reviewing my application?
Klarna offers Pay in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders.
What do I need to provide when I make a purchase?
If you want to purchase something using Klarna’s Pay in 30 days, 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 need to share with you, they'll send this to your email address.
Will a credit search take place?
When you use Pay in 30 days, 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.
How do I make repayments to Klarna?
You can pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.
I have been asked to go to the Klarna site. Is this correct?
If you choose to pay for your order using Pay in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by LUVISS. All transactions take place through connections secured with the latest industry standard security protocols.
How do I know Klarna has received my payment?
Klarna will notify you by email and 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 don’t make a payment on time?
Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also 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 future. Full details can be found in the Klarna terms and conditions here.
What happens if I don’t pay for my order?
As Pay in 30 days is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future.
I've received a statement, but I've not yet received my goods.
If you have not received your goods please contact LUVISS 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 to arrive.
I haven’t received an email with my statement/payment information.
You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.
I still have questions regarding payment, how can I get in touch?
Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.
Klarna's Pay in 30 days is an unregulated credit agreement. 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's 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.
Do you offer a financing plan?
We have partnered with Klarna to offer credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over [6,12, 24 or 36] months.
How do I place an order using Financing with Klarna?
To purchase with Klarna Financing, add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start your application for Klarna Financing. You will be asked to provide information about yourself which is required to check your eligibility. If you are approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application and you won't have to leave our website.
Am I eligible?
To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances. A full credit search will also be performed when you apply for a Klarna Financing agreement.
What details do I need to provide when I make my purchase?
You will need to provide your name, billing address, email address and phone number, as well as your employment and bank details.
Will I be required to pay anything when I apply?
In some cases, you may need to pay a portion of the balance as a deposit up front. If this is the case, you will be prompted to make a deposit as part of the Financing application.
If I make my purchase on a Klarna Financing plan, will I pay interest?
Our Financing options are credit plans with repayment terms ranging between 6-36 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month.
Can I set up automatic monthly repayments?
During the Klarna Financing application you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will debit your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything. It is important to ensure that you have enough funds in your account to cover the repayments on your due date each month.
Will I receive an email confirmation when purchasing with Klarna Financing?
If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you receive all Klarna communications related to your Financing plan.
If I apply for Klarna Financing, will this affect my credit score?
When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can contact Klarna’s customer support team.
What if I am late or miss a payment?
Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna Customer Service via the support section of the Klarna app or via Klarna’s customer support page.