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 later in 30 days work?
Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Am I eligible for Pay in 30 days?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 30 days orders at the same time?
Yes, you can. If you see Klarna Pay in 30 days when you go to an online checkout then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

What does Klarna consider when reviewing my application?
Klarna offers Pay in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days 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 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days 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 30 days, 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 30 days, 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?
You can pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

I have been asked to go to the Klarna site. Is this correct?
If you choose to pay for your order using Pay in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

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 if Klarna has received my payment?
Klarna will notify you by email and 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 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also 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. Full details can be found in the Klarna terms and conditions here.

What happens if I don’t pay for my order?
As Pay in 30 days is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future.

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.