Buy Now - Pay later
Part 1: How it works
Shop now. Pay later with Klarna.
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.
Here’s how it works:
36 months 19.9% APR
24 months 19.9% APR
12 months 19.9% APR
6 months 19.9% APR
3 months Interest Free
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 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.
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you love.
80 million shoppers are using Klarna.
190,000 retailers are working with us worldwide.
We’ve been powering online checkouts for 14 years.
For regulated credit products. Financial promotions may contravene the FCA's 'clear, fair and not misleading' rules if they omit relevant risk warnings. Examples of relevant risk warnings for regulated products include:
'Late or missing repayments may have serious consequences for you and cause you serious money problems'
'Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future'
'If you do not make your full monthly payment, the interest free arrangement will cease and you'll be required to pay interest on all future payments at X% APR Representative'
Specific FCA rules for Buy Now Pay Later products.
The FCA has more detailed rules concerning Buy now, pay later credit products (BNPL). Your BNPL financial promotion is likely to be misleading by omission if it: • Refers to a zero percent or low interest, introductory or other promotional offer available under a BNPL agreement • Does so in a way that is likely to influence a consumer’s decision about whether to enter into a BNPL agreement or whether and how to make use of credit available under an existing BNPL agreement; and • Does not include in a fair and prominent manner material information about relevant risks Relevant risks relating to BNPL credit include the limitations that apply to any zero percentage or low interest, introductory or other promotional offer, including the circumstances in which interest or charges could become payable and how these would be calculated if those circumstances arose, including the date from which interest or charges would accrue, the rate of that interest or those charges and the amount of principal on which the interest would be charged. The average consumer is likely to need information about these matters to make an informed decision about whether to enter into a BNPL agreement. The information that a financial promotion about a BNPL agreement is required to include to avoid a misleading effect and how that information should be presented, will depend on the context of the communication or financial promotion, including its medium and any other information that you have provided to the recipient
Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.