About KlarnaUpdated 2 hours ago
What is Klarna & How to Use It Responsibly
At checkout, we want to give you control over how you pay. That is why we have partnered with Klarna to offer convenient, flexible payment options.
While Klarna is a popular way to spread the cost of your purchases, it is a form of credit. We encourage all our customers to use credit responsibly. Below is everything you need to know about what Klarna is, how it works, and the important financial commitments to keep in mind before checking out.
What is Klarna?
Klarna is a global payment service provider trusted by millions of shoppers worldwide. It allows you to buy your items immediately and pay for them at a later date, either in three interest-free installments or 30 days after dispatch.
When used responsibly, Klarna charges zero interest and no fees. However, because it is a credit product, failing to make your payments on time can result in penalties, debt recovery actions, and damage to your credit score.
How Does It Work at Checkout?
1. Select Klarna at checkout
Add your favorite items to your shopping basket and proceed to checkout. Choose Klarna as your payment method.
2. Eligibility check
A secure window will open. Enter a few simple details to log in or create your Klarna account. Klarna will run a quick, "soft" creditworthiness assessment to confirm if you are eligible.
3. Choose your payment plan
Select either Pay in 3 Installments or Pay in 30 Days. Confirm the schedule, and place your order.
4. Manage your payments
Your order will be placed immediately once the payment is approved and complete. You can track your payment dates, adjust your card details, or pay early inside the free Klarna App.
5. Order complete
Your order will be placed immediately, once the above steps have been successfully completed. You will receive a confirmation email of your orders details and shipping timeline.
Important Regulatory Risk Warning
Spreading the cost of your purchases can be a helpful budgeting tool, but borrowing more than you can afford could seriously affect your financial status. Please make sure you can comfortably afford your payments on time.
Klarna's Pay in 3 and Pay in 30 Days are credit agreements. Borrowing beyond your means can have serious consequences, including automated late fees, your debt being passed to a collection agency, and negative impacts on your credit status. 18+, UK residents only. Subject to status. Terms and conditions apply.
Important Financial Disclosures & Warnings
We believe in complete transparency. While Klarna is highly convenient, you must be aware of the following risks before choosing to borrow
1. Late Payment Fees
If Klarna is unable to collect your scheduled payment, they will make another attempt to charge your linked card. If the balance remains unpaid after 7 days, a late fee of up to £5 may be added to your account. To protect you from spiraling costs, Klarna caps its late fees and will never charge more than two late fees per order.
2. Impact on Your Credit File
Applying for Klarna involves a "soft" credit check, which is invisible to other lenders and does not affect your credit score. However, if you miss your payments or default, Klarna will report this information to Credit Reference Agencies. This can severely damage your credit history, making it much harder or more expensive for you to obtain credit (such as mortgages, credit cards, or mobile contracts) in the future.
3. Debt Collection
If an account remains unpaid for several months despite multiple reminders, Klarna may pass the debt to an FCA-approved third-party debt collection agency to recover the funds. If this happens, you will no longer be able to use Klarna for future purchases.
Need Support?
If your financial circumstances change and you are worried about making an upcoming payment, reach out to Klarna’s customer service team directly via their app or website. They may be able to freeze late fees and help you set up an affordable payment plan.
Or for free, independent, and confidential debt advice, you can contact national charities like MoneyHelper or StepChange.
Here you can find Klarna's support centre 👉 https://www.klarna.com/uk/help/