What is Klarna?

Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 90 million active consumers across more than 250,000 merchants in 17 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.

How does Klarna Pay in 3 work?

Klarna’s Pay in 3 lets you spread the cost of your purchase into three equal payments — one payment every 30 days.
-Add to cart & checkout
Select your favourite items and head to checkout.
-Choose Klarna at checkout
Select “Pay in 3 with Klarna” as your payment option. You’ll complete your purchase instantly — no extra forms, no hidden costs.
-Split into 3 payments
Your first payment will be taken when your order ships. The remaining two payments will be automatically charged every 30 days — interest-free and fee-free when you pay on time.

Example

If your order total is £90, you’ll pay:
- £30 when your order is shipped
- £30 in 30 days
- £30 in 60 days No interest.
No hidden fees. Just easier budgeting.

Klarna Pay in 3 — Key Details

- Use your own valid debit or credit card, or another accepted payment method (no prepaid cards).
- The first payment is charged when the merchant completes your order (usually the shipping date).
- The remaining two instalments are automatically charged every 30 days afterwards.
- Klarna charges no interest and no fees unless you miss a payment or your payment is returned. Learn more
- If you return or cancel part of your purchase, Klarna will refund you based on how the store processes returns. Any refund due will be returned to your original    payment method.
- Questions about product quality or delivery? Please contact the store where you made your purchase.

Missed Payments

- If Klarna is unable to collect a payment on the scheduled date, they will try again.
- If payment still fails, the missed amount will be added to your next scheduled payment.
- Late or missed payments may incur fees and could be passed to debt collection.
- Klarna will send friendly reminders by email, SMS, and push notification before each payment is due.

Manage Everything in the Klarna App

Track your purchases, view your payment schedule, and get reminders — all in one place.
Download the Klarna App to stay on top of every instalment easily.
Download the Klarna App  👉 https://www.klarna.com/uk/klarna-app/

Eligibility

- You must be 18 years or older.
- You must be a UK resident.
- A valid debit or credit card is required.
- You must be able to receive SMS verification.

Important Information

Klarna’s Pay in 3 is an unregulated credit agreement.
Missing payments may affect your ability to obtain credit in the future.
Klarna performs a soft credit check that does not affect your credit score.
Depending on your payment method, your bank or card issuer may charge interest or fees under their own terms — please check with your payment provider.
For more information, visit Klarna’s official UK site 👉 https://www.klarna.com/uk/

Need help?

If you have questions about your Klarna account or payments, contact Klarna Customer Service: 🔗 https://www.klarna.com/uk/customer-service/
If you have questions about your order, delivery, or returns, please contact our Customer Support Team directly.