What is Klarna?

Klarna is a payment service that allows its customers to buy now and pay later by spacing out the cost across a set number of weeks or months. By spreading the overall price out, it allows its users to shop for items they may not be able to afford.

Once at the checkout, customers will be given the option to use Klarna, Klarna is already built into some retailers’ checkout pages, or it can be downloaded by users as an app.

How does Klarna work?

To use Klarna you will need to connect your bank card to your Klarna account, once you have a product in the basket and have gone to checkout, Klarna will pop up as an option on the checkout.

If you chose to pay in 3 instalments, the first instalment will be paid straight away at checkout, and the next payment will be processed 30 days later. However, buyers can also opt to pay in 30 days, in which case the first and only transaction will be taken out of the customer’s bank account 30 days later.

Klarna currently has no fixed amount of minimum or maximum cost of purchases- however, Klarna will check the buyers credit history, the cost of the item, and the user’s buying history. Factoring all of these in means users could be subject to rejection.

Am I eligible for Klarna?

To use Klarna there are a few requirements, users must be a resident of the UK and over the age of 18. Users will need a valid bank/credit card to connect to Klarna and will be subject to credit checks to assess whether the user has a poor or good credit history.

User Agreement

Klarna has a terms of use page explaining the legal contract you and Klarna agree to when you sign up for the service. If you wish to contact Klarna with any questions about the user agreement or how it works, then you can contact Klarna on 0808 189 3333.

Alternatively, if you have any questions about our products, you can contact us and We’ll be happy to help.