Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100
million people worldwide use Klarna at over 200,000 online stores.
How does Pay in 3 instalments work?
Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over
3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't
have to worry about missing a payment. Klarna will take the first payment when you make the
purchase, the second 30 days later and the final payment 60 days from your purchase date. You can
see your past and future payments at any time using the Klarna app.
Am I eligible for Pay in 3 instalments?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in
3 instalments. When you choose Klarna they will also check the information you provide and your
Can I have multiple Pay in 3 instalments orders at the same time?
Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3
instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can
use Pay in 3 again for each additional purchase.
What does Klarna consider when reviewing my application?
Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and
previous order history. You can improve your chances of being offered Pay in 3 instalments by
ensuring you provide your full name, accurate address details and arrange shipping to your
registered billing address. All orders are assessed individually. Just because you have been accepted
for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your
application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.
What do I need to provide when I make a purchase?
If you want to purchase something using Klarna’s Pay in 3 instalments, you'll need to share your
phone number, email address, current billing address and your credit or debit card details. If Klarna
need to talk to you urgently they'll use the phone number you've shared. For any other information
Klarna need to share with you, they'll send this to your email address.