klarna - how to use
by Klarna
Terms may change so for up to date terms please click here
Klarna is the smoooth and safe way to get what you love today, and pay over time.
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
So, how does Klarna work?
We partner with retailers all over the world, so that you can shop smoooth directly from their sites. Don't spot us at the checkout? No worries. You can use our app to enjoy flexible payment options everywhere and anywhere online.
What happens if I can’t pay on time?
Pay in 3
If we are unable to collect the payment on the scheduled date, we will try again. If the payment fails, the amount due for the missed payment will be added to the next scheduled payment. Missed payments can incur late fees and may be sent to debt collection.
Pay in 30
You’ll receive a payment reminder if you miss the due date of your Pay in 30 days purchase. Be sure to pay on time to avoid late fees and debt collection.
Klarna Card
You can make a manual payment at any time by logging in to the app. Avoid late payment fees by setting up automatic payments to ensure you don’t miss a payment.
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Log in to the app
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Go to Klarna Card settings
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Tap AutoPay
If you pay late, Klarna may report the entire Klarna Card balance (including purchases converted to 3, 6 or 12 month Financing) as overdue to the credit reference agencies, which could affect your credit rating negatively and make it harder or more expensive for you to obtain credit in the future.
Financing
If your automated Financing payment fails you can make a manual payment in the app. Any missed payment will be automatically added to the next month’s installment. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.
Good to know:
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Klarna reports all purchases made with the Klarna Card, Financing, and Buy Now Pay Later (BNPL) purchases, to the credit reference agencies. More information can be found in our T&Cs.
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If you continue to miss payments any outstanding debt, together with incurred fees, may be sent to debt collection for recovery.
Contact us if you are experiencing financial difficulties – we are here to help.
Does Klarna perform a credit check and will this affect my credit score?
Yes, we perform a credit check. This can affect your credit score depending on which payment option you choose in the checkout.
As a responsible lender, we want to ensure we’re helping you make the right financial decisions for your circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report. Depending on the payment option you choose, we may perform different types of searches and checks to assess your financial standing:
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A soft credit check is performed when you apply for our Buy Now Pay Later options which will not affect your credit score. However, as a responsible lender, we share data about your payments to credit reference agencies which are visible to other lenders.
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A hard credit check will be conducted when applying for Financing – this may affect your credit score.
Our credit checks are performed by the credit reference agencies Transunion & Experian. If you have questions regarding their services, your credit score, or the data provided as part of a credit check, contact the credit reference agencies directly. Credit checks are performed in accordance with Klarna’s Terms & Conditions.
How using Klarna will affect your credit score
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.
Making repayments on time consistently will help build a positive history when using our payment options.
Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.
How to pay with Klarna
Add item to the basket and click CHECKOUT. If you are making a purchase by mobile phone then many mobile software will try to autofill your data. Instead manually add the address, name and telephone number.
Make sure you use the correct Billing and Shipping address. Billing address it the address where your bank account is registered. Shipping may be the same address or an alternative address. Also check that your telephone number is correct as we will need to call this with your shipping details.
Below the Credit Card Options you will see in Pink the Klarna option
Once you are happy with the information provided click the PAY NOW button. This will then open up Klarna, if you already have an account then you can log in, otherwise you can create a new account.
If your payment is successful you will get a page that shows this. Do not leave the process until you have this page or it may not complete.