Klarna

Klarna is a Swedish payment service provider that handles payments for over 200,000 online stores. More than 85 million consumers worldwide trust Klarna to manage their payments securely.

‘Pay in 3’ allows you to split the cost into 3 equal payments. The first is collected when your order is confirmed, and the remaining two instalments are automatically collected 30 and 60 days later. You can track your payment schedule in the Klarna app.

You’ll need to set up an account with Klarna using your name, address, and email. Some orders may also require a mobile number or date of birth. All communication, including payment reminders and statements, will be sent to the email address you provide, so entering the correct details is essential.

For 'Pay in 3', Klarna will automatically attempt to collect the payment from your debit or credit card. If unsuccessful, Klarna will retry two days later. If this fails, you’ll receive a statement for the full outstanding amount, payable within 15 days. Klarna will notify you of upcoming payments two days in advance.

No, using Klarna’s 'Pay in 3' doesn’t impact your credit score. However, missed payments may prevent you from using Klarna in the future.

Klarna may perform soft credit checks that don’t affect your credit score. These checks, and your use of Klarna, may be visible to other lenders.

Yes, you can make payments early through the Klarna app or at Klarna.com/uk.

Refunds are issued back to the debit or credit card used at checkout.

Visit the Klarna app or Klarna’s Customer Service page for FAQs, live chat, and phone support options.

IVC Evidensia acts as an introducer and not a lender of unregulated credit products provided by Klarna Financial Services UK Limited. Credit is only available to permanent UK residents aged 18+, subject to status. T&Cs apply. Please note that Klarna’s Pay in 30 days and Pay in 3 instalments options are not regulated by the FCA. Borrow responsibly, as borrowing beyond your means could negatively affect your financial status. Ensure you can make repayments on time. For questions about your payments or refunds, please contact Klarna directly. Visit https://www.klarna.com/uk/terms-and-conditions/ for more information.