KLARNA FAQs

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. Late fees may apply. Ts&Cs apply.

Klarna gives you the chance to try before you buy. Shop now and pay later or pay in 3 easy instalments for the pieces you love. Want a wardrobe refresh now? With Klarna, all orders are shipped right away. No interest, no fees! (If paid within 30 days).

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

What are my payment options with Klarna?

 

About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

• Download the Klarna app: https://www.klarna.com/app
• Log in online: https://app.klarna.com/login.
• Chat with customer service: https://www.klarna.com/uk/customer-service/

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Frequently asked questions

Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.

 

Pay in 3 Instalments

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments 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 Get The Label. The second and third instalments are collected 30 and 60 days later, respectively, after the first instalment. You can always monitor your payments schedule in the Klarna app.

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. Late fees may apply. Ts&Cs apply.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions > Click here for more info

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

 

Pay later in 30 Days

How does Pay Later in 30 days work?

Get what you love, all orders are shipped right away! You've got the chance to try on your purchases and return anything that's not right. Only pay for what you've kept. Pay 30 days after it's been shipped. No interest, no fees! (If paid within 30 days).

Am I eligible for Pay Later in 30 days?

To use Pay later in 30 days you must be at least 18, hold a UK bank account and a UK residential address. Whilst this option is widely promoted, Pay later is subject to your financial circumstances. When choosing Pay later, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions > Click here for more info

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

 

Will a credit search take place against me?

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, but not visible to other lenders. Neither Klarna nor Get The Label run credit searches against you that could impact your credit rating. Not settling your payment on time could affect your ability to use Klarna in the future.

Why have I not been offered Pay later in 3 or Pay later in 30 days?

Although Pay later in 3 and Pay later in 30 days are widely promoted they are not always universally available. The payment method options are automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

What happens if I don’t make a payment on time?

Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

What happens if I don’t pay for my order?

As Pay in 30 days is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future

 

What information do I need to provide when I make a safe purchase with Klarna?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your name, address and email address. A mobile phone number, or date of birth may also be required for some orders. All communications will be sent to your email address including payment reminders and links to your online statements. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Payment information is processed securely by Klarna. No card details are transferred to, or held by Get The Label. All transactions take place via connections secured with the latest industry standard security protocols.

In order to be able to offer you Klarna's payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.

General information on Klarna you can find here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy policy.

You can also review our Get The Label privacy policy here.

 

Can I pay before the due date?

Yes, you can pay for your order at any point after you receive the email from Klarna with details of your payment. Just follow the instructions on this email or go to the Klarna app or log in at www.klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

 

How does the returns/cancellations policy work?

What happens if I cancel or return my order?

As soon as Get The Label have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app.

What happens to my statement, when I've returned the goods?

Once Get The Label has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

 

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout. If you have no paid the statement yet then the refund will reduce the statement or cancel it completely.

 

I've received a statement, but I've not yet received my goods

In the event that your goods have not been received please call Get The Label to check on your order and delivery status. You can also contact Klarna's Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive. If you do not have your statement number to hand you can log into the Klarna app or at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

I haven't received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

 

I still have questions regarding payment, how can I get in touch?

Visit Klarna app or Klarna's Customer Service page for a full list of FAQ's, live chat and telephone options. Local Rate: 020 300 50833 Freephone: 0808 189 3333

 

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.