It’s smoooth and simple

When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase.

Pay in 10 days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 10 days later. No interest. No fees. No impact to your credit score.

Pay in 3 instalments

Split your purchase into three equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest or fees. No impact to your credit score.

The best way to shop.

See all of your purchases in one place, pay any open balances 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 unauthorized purchases.

Frequently Asked Questions

Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/uk/customer-service/ or by downloading the Klarna app.

What happens if I make a return?

If you return some or all of your order, Klarna will issue you with a new statement as soon as the online store processes your return. Follow the retailer's return instructions and make sure to keep the tracking number of your return. Log into your Klarna account and select “Report a return” so that your statement is paused. As soon as the retailer has registered your return, we will send an adjusted invoice.

There's something wrong with my order. Do I still need to pay for it?

You do not need to pay for goods that are received damage, broken or faulty. Follow the retailers dispute instructions and make sure to “Report a problem” in your Klarna account to pause your statement until you’ve resolved the dispute with the retailer. As soon as the retailer has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have not received my order. What happens to my statement?

You do not need to pay the statement until you have received your order. Contact the retailer for an update on the delivery. Make sure to log into your Klarna account and “Report a problem” to pause your statement until you’ve received your order.

My statement is incorrect. What should I do?

If your statement does not match your order details, please contact the retailer directly for a correction of your statement. Make sure to log into your Klarna account and “Report a problem” to pause your statement until the details have been corrected.

What happens if I don’t pay for my Pay in 10 days order?

Your payment is due 10 days after the item is shipped. Klarna will alert your before payment is due to help remind you to pay on time. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay in 10 days’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use the service in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

What happens if I don’t pay for my Pay in 3 instalments order?

Klarna will automatically attempt to collect your second instalment from the debit or credit card that you entered at checkout. If the payment cannot be collected on the scheduled due date Klarna will make a further attempt to automatically collect payment 7 days later and again 7 days afterwards. Should this last payment attempt fail, Klarna will add the failed amount to your final instalment. Klarna will automatically attempt to collect your final instalment from the debit or credit card that you entered at checkout. If the payment cannot be collected on the scheduled due date Klarna will make a further attempt to automatically collect payment 7 days later and again 7 days afterwards. Should this last payment attempt fail Klarna will issue you with a statement for the full outstanding order amount which will become payable 15 days later. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay in 30 days’ or ‘Pay in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use the service in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

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 3,500 employees across 17 countries, and is the pioneer in pay later options, trusted by 90 million shoppers with 250,000 merchants working with us worldwide.

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.

Klarna Bank AB (publ) is the lender and we act only as the 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.

Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Please note that Pay in 10 days and Pay in 3 instalments are not regulated by the FCA.