Buy now, pay later with Klarna

Applications may not be accepted for a number of reasons, including mistyped information or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted. If your application isn’t successful, you can still purchase the item in full with a valid credit or debit card.

No, you will not be charged anything if your application is unsuccessful.

Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

The deposit required will be 10% of the total value.

You have the right to repay all or part of the credit early at any time – you should contact Klarna for details by phone, e-mail or letter at the following;

Klarna Bank AB (publ)
Sveavägen 46,
111 34 Stockholm
Sweden.
Telephone: 0333 321 6080
Website: https://www.klarna.com/uk/customer-service/

You must be a permanent UK resident and able to supply 3 years address history. Employment or retired and receive a gross annual income of at least £10,000.Have a good credit history and own a debit or credit card. You must have a UK bank account capable of accepting Direct Debits.

The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Klarna Bank AB (publ)
Sveavägen 46,
111 34 Stockholm
Sweden.
Telephone: 0333 321 6080
Website: https://www.klarna.com/uk/customer-service/

Yes. A credit check forms part of the automated decision making process.

Yes. You must have a UK bank account capable of accepting Direct Debits.

The total cost of the loan is shown on the finance agreement.

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Klarna Bank AB (publ) may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

Klarna Bank AB (publ) will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself.

Klarna Bank AB (publ) Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. In the last 14 years, technology has evolved, excited and transformed the world around us, yet our mission remains as relevant as ever, to make paying as simple, safe and above all, smoooth as possible.

Klarna is now one of Europe’s largest banks and is providing payment solutions for 60 million consumers across 130,000 merchants in 14 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.

When the company acquired SOFORT in 2014 the Klarna Group was formed. Klarna is backed by investors such as Sequoia Capital, Bestseller, Permira, Visa and Atomico.