What is Klarna?
Klarna is the smoothest and safest way to get what you love today, and pay over time. No interest. No fees if you pay on time. Just Klarna.
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.
Does Klarna impact 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 Klarna will not affect your credit score when:
- Choosing to ‘Pay in 3 instalments’
- Deciding to ‘Pay in 30 days’
- Creating a ‘One-time card’
For the above mentioned, we will perform a credit check will not be visible to other lenders and therefore won’t impact your credit score in any way.
Using Klarna might affect your credit score when:
- Applying for one of our Financing options
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.
Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions
What is an affordibility 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.
For further information regarding Klarna, please click here.