- Can I have multiple Pay in 3 Instalments orders at the same time?
Absolutely! If you spot Klarna Pay in 3 Instalments as an option during online checkout, it means you're eligible to use it. You can use Pay in 3 for multiple purchases. Just keep in mind that Klarna will assess your eligibility each time you choose this option for a new purchase.
- How does Pay Later in 30 Days work?
Pay Later in 30 Days is like a friendly credit option. It gives you the flexibility to pay for your purchase anytime within 30 days without any extra charges or interest. You can easily make the payment using your credit or debit card on the Klarna app or by logging into www.klarna.com/uk. After confirming your order, Klarna will send you an email with all the details. Plus, you can manage and check both past and upcoming payments right from the Klarna app.
- Is it possible for me to have several Pay Later in 30 Days orders concurrently?
Certainly! If you see the Klarna Pay Later in 30 Days option at the online checkout, it means you can use it. And the good news is, each time you make a purchase using Pay Later in 30 Days, Klarna will check if you can use the service again for your next buy. It's that simple!
- What does Klarna look at when reviewing my application?
Klarna offers Pay in 30 Days and Pay in 3 Instalments based on factors like your purchase amount and past order history. To increase your chances of getting these options, make sure to provide your full name, accurate address details, and arrange shipping to your registered billing address. Each order is reviewed individually. It's important to note that being approved for Pay in 30 Days or Pay in 3 Instalments in the past doesn't guarantee it for every order. Likewise, if your application is declined, it doesn't mean future orders will be automatically denied.
- How can I improve my chances of being approved for Pay in 30 Days and Pay in 3 Interest-Free Instalments?
Klarna is unique and provides the option of Pay in 30 Days or Pay in 3 Interest-Free Instalments, based on factors like order value, your previous order history, and item availability. If you're 18 or older, you can increase your chances of being offered Pay in 30 Days or Pay in 3 Interest-Free Instalments by ensuring you provide your full name, accurate address details, and shipping to your registered billing address. Each order is evaluated individually. Approval for a Klarna payment method in the past doesn't guarantee it for every order, and if it's declined, it doesn't mean future orders will be automatically denied.
- What information do I need to provide when I make a purchase?
If you plan to buy something with Klarna’s Pay in 30 Days or Pay in 3 Instalments, you'll have to provide your phone number, email address, current billing address, and your credit or debit card details. If Klarna needs to reach you urgently, they will use the phone number you've provided. Any other important information Klarna needs to share with you will be sent to your email address.
- Is there going to be a credit search?
When you opt for Pay in 30 Days or Pay in 3 Instalments, Klarna will conduct a credit search. This simply means Klarna will review specific information in your credit report to determine whether to approve your purchase.
- How can I make payments to Klarna?
Pay in 30 Days: You have up to 30 days to pay for your purchase without any extra charges. Use a credit or debit card on the Klarna app or by logging into www.klarna.com/uk to make the payment. Once your order is confirmed, Klarna will send a detailed confirmation email. You can track both past and upcoming payments through the Klarna app. Late fees may apply.
Pay in 3 Installments: Klarna will automatically deduct your Pay in 3 Instalments payments from the debit or credit card you provided during purchase. The first payment is taken at the time of purchase, the second after 30 days, and the final payment 60 days from the purchase date. Manage your payments easily with the Klarna app, where you can also check both past and upcoming payments. Be mindful of potential late fees.
- Why am I not able to use Pay in 30 Days or Pay in 3 Interest-Free Instalments?
While Pay in 30 Days or Pay in 3 Interest-Free Instalments is often promoted, it may not be available in all cases. The option for Pay in 30 Days or Pay in 3 Interest-Free Instalments is determined by algorithms considering various factors, such as address details, cardholder information, order amount, the online store, previous order history, and item availability.
- Can I pay earlier than the scheduled due date?
Absolutely. Simply use the Klarna app or visit Klarna.com/uk.
- What ways can I pay with Klarna?
Your Pay in 3 interest-free instalments payments will be taken from the card you used at checkout. The first payment happens when you confirm the order. Then, the next payments follow after 30 and 60 days. Keep track of your payment schedule on the Klarna app.
- What happens if I decide to cancel or return my order?
As soon as Friendly Turtle confirms with Klarna that your cancellation or return has been approved, Klarna will cancel any upcoming payments and refund any owed amounts. You'll see the return reflected in the Klarna app right away.
- What happens if I don't make the payment for my order?
If you miss your payments, you will fall into arrears because Pay Later in 30 and Pay in 3 are credit products. Klarna might then report details about your late payments to credit reference agencies. This could make it challenging or more expensive for you to use Klarna or other lenders' credit services in the future.
Additionally, Klarna may involve a debt collection agency to collect the outstanding amount on their behalf. In the event of involving a debt collection agency, Klarna will also share this information with credit reference agencies.
- I've been directed to visit the Klarna site. Is this correct?
If you opt to pay for your order with Pay Later in 30 Days, Klarna will send you an email with instructions on how to make the payment. The email will contain a link that you can use to complete the payment using your credit or debit card. You can easily track all your Klarna purchases and payment schedule on the Klarna app or by logging in here
- Is my payment information secure?
Klarna handles payment information securely. Friendly Turtle doesn't receive or store any card details. All transactions occur through connections secured with the latest industry-standard security protocols
- How do I make sure Klarna got my payment?
Klarna will send you an email and push notification when a payment is upcoming or when you've successfully made or missed a payment. You can easily monitor your order status and payments on the Klarna app or by logging in at www.klarna.com/uk.
- What happens to my statement when I've returned the goods?
After Friendly Turtle receives the return (whether partial or full) and you confirm it with them, Klarna will send you an updated statement with a revised payment schedule if you've made a partial return. For a full return, we will refund any collected payments and cancel any upcoming scheduled payments. You can easily track your order status in the Klarna app at any time.
- I received a statement, but my goods haven't arrived.
If you haven't received your goods, please get in touch with Friendly Turtle to inquire about your order and delivery status. You can also reach out to Klarna's Customer Service to request a due date extension on your payment or to temporarily pause the order in the Klarna app while you wait for the goods to arrive.
- I requested a refund. How will I get my money back?
After Friendly Turtle receives the return and Klarna confirms it, Klarna will refund any payments collected and cancel any upcoming scheduled payments. You can easily check your order status in the Klarna app at any time.
- What happens to my statement when I've returned part of my order?
After Friendly Turtle gets the partial return and Klarna confirms it, Klarna will send you a revised statement with an updated payment schedule. You can always check your order status in the Klarna app.
- I didn't get an email with my statement/payment information.
You can access your order and payment schedule information by logging into the Klarna app or visiting www.klarna.com/uk.
- If you're having difficulty placing an order with Klarna
Klarna might have declined your request for paying on account. We suggest trying a different payment method or placing an order for a smaller amount. It's possible you have outstanding payments on previous Klarna invoices or missed a required field during checkout, such as your date of birth. Please be aware that Klarna is an independent payment company, and Friendly Turtle doesn't have control over whether Klarna accepts your payment or not. If you encounter any issues with your order, please reach out to Klarna Customer Service.
- I have more questions about payment. How can I get in touch?
Visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.
Please spend responsibly. Borrowing within your means is crucial for your financial well-being. Ensure you can comfortably meet your monthly repayments on time. If you need more information, click here, as Klarna is here for easy and quick self-service solutions.
Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated credit agreements. Borrowing beyond your means or making late payments could have negative effects on your financial status and your ability to secure credit. Must be 18 or older, UK residents only. Subject to status. Late fees may apply. Terms and conditions apply.