Klarna FAQs

How does Klarna Pay in 3 work?

Pay in 3 allows you to spread the cost of your purchase over three equal interest-free payments. The payment for each instalment will be automatically collected from the debit or credit card you provide at checkout. Your first instalment will be collected when your order is confirmed, and instalments two and three are scheduled in 30 and 60 days, respectively.

Am I eligible for Klarna Pay in 3?

You must be at least 18 to use Pay in 3, and eligibility is based on your financial circumstances. 

Will a credit search take place against me when using Klarna Pay in 3?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna. Neither Klarna nor Ruggable runs credit searches against you that could impact your credit rating.

Can I increase my chances of being accepted for Klarna Pay in 3?

Klarna offers Pay in 3 based on a number of factors, including order value, previous order history, and item availability. All orders are assessed individually.

What do I need to provide when I make a Klarna Pay in 3 purchase?

You'll need to provide your mobile phone number, email address, current billing address, and a debit or credit card. Make sure you give the correct details, or you won't receive your payment schedule or any updated order information.

How can I pay for my order?

We accept all major credit and debit cards, including Visa Credit, Visa Debit, and Mastercard. We also accept American Express and PayPal. When you spend between £35-£1,000, you can choose to pay in instalments using Klarna. 

When is my Klarna payment due?

Payment will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third are collected 30 and 60 days after the first instalment.  Klarna will notify you via email and push notification two days before a payment is due and when it has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received confirmation, you can check the status of your order and payments by logging in at Klarna.com/uk.

How do I manage my Klarna account?

Log in to the customer portal at Klarna.com/uk at any time to update your payment methods, review your purchases, or settle your monthly statement. If you need further assistance, you can contact Klarna's Customer Service team. Please be aware that your address cannot be changed after purchase, as the address is part of the agreement formed between you and Klarna.

I haven't received an email with my payment or statement information - what should I do?

You can log in at Klarna.com/uk, where you'll find all of your orders and payment schedule information.

Can I postpone my Klarna payment due date?

To check if it's possible to postpone your payment due date, please contact Klarna's Customer Service team.

What happens if I'm unable to make my Pay in 3 payments to Klarna?

Klarna will automatically attempt to collect your payment for your Pay in 3 purchases from the debit or credit card you entered at checkout. If Klarna is unable to collect your payment on the scheduled due date, one further attempt will be made two days later. Should this payment attempt fail, Klarna will issue you a statement for the full outstanding order amount. This will become payable in 15 days. Klarna has a specially trained team to step in and help if you have any difficulties meeting your repayments. If you want to talk, you can contact the Klarna Customer Service team.

What happens with the Klarna repayment agreement if I cancel or return my order?

As soon as we've registered your cancellation or return, Klarna will credit the balance back to your account within five business days. If you've paid for your order with a card, the refund will be made to your Klarna account balance. If your account ends up with a credit balance, this can be used towards future purchases, or you can request it to be refunded to your card by contacting the Customer Service team.

How can I contact Klarna?

Visit Klarna's Customer Service page for a full list of FAQs, live chat, and telephone options.