Who is Klarna?

Klarna is a payment service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

How does Pay in 3 work?

Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free 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?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 3 orders at the same time?

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout then it 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 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 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 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 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, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna needs to talk to you urgently they'll use the phone number you've shared. For any other information Klarna needs to share with you, they'll send this to your email address.

Will a credit search take place?

When you use Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by us. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email, SMS or push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

What happens if I don’t make a payment on time?

Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to Klarna’s terms and conditions.

What happens if I don’t pay for my order?

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

I've received a statement, but I've not yet received an installation date.

If you have not received an installation date for your home charger please contact us to check the status of your order. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for your installation date.

What happens if I cancel my installation or return accessories?

After you’ve followed our guidance to process your return or cancellation, we’ll review and approve it. Klarna will then cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately. You won’t be able to return the home charger once it has been installed. Accessories can be returned up to 30 days after delivery.

I have cancelled my order. How long will it take until I receive my refund?

As soon as we have registered your cancellation of a home charger installation or your return of accessories (after receiving the items and doing a quality check) with Klarna, any amount paid will normally be refunded within 5-10 business days. You won’t be able to return the home charger once it has been installed. Accessories can be returned up to 30 days after delivery.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card which was originally used at checkout. You won’t be able to return the home charger once it has been installed. Accessories can be returned up to 30 days after delivery.

What happens to my statement, when I have returned the goods?

Once we have processed a cancellation of a home charger installation or return of accessories and Klarna has received confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app. You won’t be able to return the home charger once it has been installed. Accessories can be returned up to 30 days after delivery.

What happens to my statement when I have returned part of my order?

Once we have received the partial return and Klarna has received confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the amount of your order in the Klarna app. You won’t be able to return the home charger once it has been installed. Accessories can be returned up to 30 days after delivery.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Pod Point Limited, trading as Pod Point, is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited's FCA registration number is 626349, its address is Second Floor, Atlas House, 31 King Street, Leeds LS1 2HL and its permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

Pod Point Limited acts as a credit broker not a lender and can only introduce you to Klarna Bank AB (publ.). Finance is only available to permanent UK residents aged 18+, subject to status. Ts & Cs apply klarna.com/uk/terms-and-conditions.

We offer regulated and unregulated Credit agreements through Klarna. Please note that the 'Pay later in 30 days', 'Pay Now' and 'Pay in 3' agreements are not regulated by the FCA. Please use these products responsibly and ensure you can make repayments on time. Finance is subject to status. T&Cs and eligibility apply. Failure to make repayments on time may negatively impact your ability to use Klarna's products in future.