Pay Later with Klarna
Who Are Klarna?
Klarna are a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna are the provider of smooth payments to more than 200,000 online stores. Over 80 million consumers worldwide have trusted Klarna to securely handle their payments.
Why Choose Klarna?
Klarna gives you two easy ways to get the products you love. Choose 'Pay In 30 Days' and get up to 30 days to pay for your order with no interest and no fees. Or, 'Pay In 3 Installments where you can split the cost of bigger purchases into 3 monthly payments with no interest, no fees and no credit agreement.
Our Klarna payment options
Pay In 30 Days
Try your stuff out at home and make sure it’s right for you. Pay for what you keep 30 days after your order is shipped. No upfront payments, 0% interest, and no fees when you pay on time.
Pay In 3 Instalments
Split your payment into 3 equal interest-free instalments. Pay a third today, a third in 30 days and the remaining balance in 60 days.
Splice It Financing
Splice it financing is available online in the checkout, simply follow the online application process for approval to be able to finance your purchase for either 12, 24 or 36 months. A simple credit check is carried out in regarding your yearly income and monthly outgoings.
Option 1: 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 credit score.
Option 2: Pay In 3
How does it work?
Pay in 3 splits the overall cost of your purchase into three equal sums.
The first is taken at time of purchase, with the second and third payments taken 30 and 60 days respectively.
- Zero interest and zero fees.
- Minimum spend of £35, maximum spend of £800 for first time users (£1,000 for existing Klarna customers).
- 4 easy steps for Klarna account application.
- Does not affect your credit rating.
Set up in four easy steps
1. Proceed with the checkout process by entering your contact and delivery details.
2. On the payment method screen, select ‘Pay over time with Klarna’.
3. You will then be directed to the Klarna account setup and payment page. Choose ‘3 interest-free instalments’.
4. Entering your payment details, click the ‘Place Order’ button to finalise your order.
All your frequently asked questions
Am I eligible for Klarna?
To qualify for Klarna products, you will need to; Be at least 18 years old, Have a UK payment credit or debit card, Have a UK residential address
Does Klarna make a credit check against me?
No, Pay Later and Pay Later in 3 do not require any credit checks. Klarna performs a 'soft search' to establish affordability, however, this is not visible on your credit file.
How does pay later work?
Once you've chosen the 'pay later' option at checkout and the order is confirmed, you'll receive an email from Klarna within two days outlining the payment instructions. From the email, you receive 30 days to try your order and only pay when you're happy with the products.
What happens if I don't pay within 30 days?
To help you pay on time, Klarna will alert you two days before payment is due and, if very late, they’ll also send you a text or letter too. If you fail to pay Klarna for your order, your credit score will be affected.
Do I make payment after 30 days?
You can pay for the order at any point after receiving the email, as long as it's within the 30-day window.
How does pay later in 3 work?
Pay later in 3 will allow 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 entered at checkout. Your first instalment will be collected when your order is confirmed by Giant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.
Can I make payments before the due dates?
No, this is not currently possible for Pay later in 3 purchases.
I've changed my card details, what happens to my payments?
Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase from the debit or credit card used at checkout. If they’re unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this last payment attempt fails, Klarna will issue you a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.
If you need to amend your payment details, this can be managed within your Klarna account.
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