What is Klarna Pay in 3 instalments?
Klarna is a global payment service provider that takes end-to-end responsibility for your payment.
Pay in 3 instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you enter at checkout. Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later.
You can always review your payment schedule in the Klarna app.
Who can use Klarna Pay in 3 instalments?
To use Pay in 3 instalments 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.
Klarna offers Pay in 3 instalments based on a number of factors such as the order value, previous order history and item availability. You can improve your chances of being offered Pay in 3 instalments 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 3 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.
If you want to make a purchase with Klarna using Pay in 3 instalments, you'll need to provide your mobile telephone number, email address, current billing address and a debit or credit card. Your mobile telephone number is required in case Klarna needs to reach you. All communications will be sent to your email address. It's very important that you provide the correct details, as otherwise you will not receive important communications from Klarna.
In order to assess your application to use Pay in 3 instalments, Klarna may carry out a soft credit search with the credit reference agencies who supply Klarna with credit information. These do not affect your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor Not on the High Street run credit searches against you for Pay in 3 instalments that impact your credit rating.
How long does the Klarna Pay in 3 instalments plan last?
The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always review your payment schedule in the Klarna app.
How do I pay with Klarna Pay in 3 instalments?
At the checkout, select ‘Klarna’’, and then ‘place order’. This will take you to the Klarna site where you can follow the steps to choose ‘Pay in 3’ and complete your purchase.
Find out more
For more information on Klarna Pay in 3 instalments, please click here.
For full terms and conditions, please click here.
Klarna's Pay in 3 instalments 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.