Shop With Klarna FAQ's

Shop now, pay later with Klarna.

We’ve partnered with Klarna to give you a better shopping experience.

It’s smoooth and simple

Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun. That’s what we call smoooth (yes, so smoooth it needs 3 o’s).

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 to your credit score.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

  • Complete the payment in full after purchase at no added cost.
  • Report returns directly in our app and only pay for the items that you keep.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort

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

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply.

Financing

Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna app.

Pay in 3 instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort.

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

Please note minimum spend for Klarna instalments is £35.00

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply

How to shop with Klarna

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

The best way to shop.

See all of your purchases in one place, pay any open balances, explore unique content and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, our Customer Service is there for you.

Safe and secure.

Klarna has strong anti-fraud controls in place to protect our customers and prevent fraudsters from making unauthorised purchases.

Frequently Asked Questions

Don’t see your question here? Visit our FAQ page to find out more about using Klarna. You can reach Klarna at https://www.klarna.com/uk/customer-service/ or by downloading the Klarna app.

How does Pay in 30 days work?

With Pay in 30 days, you can pay for your order 30 days after shipping. If your Pay later request is accepted, Klarna will send you an email with payment instructions once your order is shipped. Just follow the link in the email to view your order or check your purchase in the Klarna app.

Does Pay in 30 days impact my credit score?

Klarna may run a soft credit search that does not affect a customers credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor our merchants run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.

What is Financing and how does it work?

Financing gives you the option to start paying for your goods after you have received them.

The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout phase. We will then carry out an affordability assessment. If you are approved we will then create your account.

If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.

Payment information is processed securely by Klarna. All transactions take place via secure connections secured protected with the latest industry standard security protocols.

Am I eligible for Instalments?

To use Instalments you must be at least 18. Whilst this option is widely promoted, Instalments is subject to your financial circumstances. When choosing Instalments, our assessment will not affect your credit rating.

What happens if I cancel or return my order?

As soon as the merchant has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

About Klarna

Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.

Klarna has 3,000 employees across 17 countries, and is the pioneer in pay later options, trusted by 85 million shoppers and partnered with 205,000 merchants.

https://www.klarna.com/uk/about-us/

Please Note: Shop Personalised Gifts is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.