Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 10 million people worldwide use Klarna at over 200,000 online stores.
Pay later in 3 interest-free instalments.
How does Pay later in 3 interest-free instalments work?
Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal 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 purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.
What do I need to provide when I make a purchase?
If you want to purchase something using Klarna’s Pay in 3 instalments, 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.
How do I make repayments to Klarna?
Klarna will take your Pay in instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.
What happens if I don’t pay for my order on time?
Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. 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?
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 future.
Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status.
Subject to status. T&Cs apply. Click here for terms and conditions.
Pay later in 30 days
How does Pay later in 30 days work?
Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. 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.
What do I need to provide when I make a purchase?
If you want to purchase something using Klarna’s Pay later 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.
How do I make repayments to Klarna?
You can pay any time within 30 days of your purchase without interest or fees. 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.
What happens if I don’t pay for my order on time?
Pay later in 30 days is a credit product and you are required to make your payment to Klarna. 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 later 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.
Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status.
Subject to status. T&Cs apply. Click here for terms and conditions
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/
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.
Yes, you can. If you see Klarna when you go to an online checkout then Pay in instalments is available to you. Every time you use Klarna, Klarna will check to see whether you can use their service again.
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
Payment information is processed securely by Klarna. No card details are transferred to or held by Universal Works. All transactions take place through connections secured with the latest industry standard security protocols.
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.
Klarna will notify you by email and push notication 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.
Klarna offers Pay in 3 and Pay Later based on a number of factors such as the purchase amount, and previous order history. You can improve your chances 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 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.
As soon as Universal Works has confirmed with Klarna that your cancelation / 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.
Once Universal Works has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
Klarna will notify you by email and push notication 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.
Refunds will be issued back to the debit or credit card which was originally used at checkout.
As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.
If you have not received your goods please call Universal Works 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.
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.
Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.
Visit Klarna FAQ's (https://www.klarna.com/uk/customer-service/) to find out more.
Pay in 3 interest-free instalments.
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.
No interest. No fees. No impact to your credit score.
• A new way to pay that's an alternative to a credit card.
• 3 instalments gives you flexibility to shop without interest or hidden fees.
• 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.
You must be 18+ and a UK resident to be eligible for this credit offer.
Pay in Terms and Conditions - Pay In 3 T's &C's
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. No impact to your credit score.
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
You must be 18+ and a UK resident to be eligible for this credit offer.
Pay Later Terms and Conditions -> Pay In 30 Days T's & C's
About 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 90 million shoppers are using Klarna.
• 200,000 retailers are working with us worldwide.
• We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.
Universal Works is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply.
Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.
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