“Pay in 3 installments without interest” allows you to defer the cost of your purchase in 3 equal payments. Payments for each installment will be automatically charged to the debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by [MERCHANT] and the second and third installments will be 30 and 60 days later, respectively. You can always monitor your payment schedule in the Klarna app.

To use the "Pay in 3 installments without interest" option, you must be at least 18 years old. Although the "Pay in 3 installments without interest" "option is widely advertised, it is subject to the financial circumstances of the user. By choosing to take advantage of the "Pay in 3 installments without interest" option, our analysis will not affect the user's credit rating.

Klarna is unique and offers the option "Pay in 3 installments without interest" "based on a number of factors such as order value, order history and item availability. If you are over 18, you can increase your chances of using the "Pay in 3 installments without interest" option by making sure you provide your full name and accurate address, as well as use your address for shipping registered billing. All orders are reviewed individually. Just because the user has used the "Pay in 3 installments without interest" option previously does not mean that he will be offered to use it for each order; and, if the option has been denied previously, it does not mean that it will be for all future orders.

If you want to make a purchase with Klarna using the "Pay in 3 installments without interest" option, you will need to provide your phone number, email address, current billing address and a debit or credit card. The mobile number is required in case we need to contact the user. All communications will be sent by email. It is very important that we are provided with the correct data, otherwise the payment schedule and any order updates may not arrive.

Klarna can carry out so-called undocumented requests (or soft credit searches) which have no effect on the credit score and are visible only to the user and Klarna, but are not visible to other credit institutions. Neither Klarna nor [MERCHANT] carry out credit searches against the user that could affect his credit score.

Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The "Pay in 3 installments without interest" option is automatically generated by algorithms that depend on a number of factors including address, cardholder data, order total, online shop, history of previous orders and the availability of the article.

Payments for the installments of the option "Pay in 3 installments without the Interest ”will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor your payment schedule in the Klarna app.

As soon as [MERCHANT] accepts the cancellation or return, Klarna will cancel any future scheduled payments and refund any amounts due. The return will be immediately visible in the Klarna app.

Klarna will attempt to debit the payment for the “Pay in 3 installments without interest” installments at [MERCHANT] on the debit or credit card indicated at the time of payment. If it is not possible to debit the payment on the due date, Klarna will make a second attempt to automatically debit the payment two days later. If this attempt is unsuccessful, Klarna will issue a statement for the entire outstanding amount which will become payable 15 days later. Klarna will communicate the payment deadline two days before attempting to redeem it and it will always be possible to monitor the due date in the Klarna application. If you do not pay in time using the "Pay in 3 installments without interest" option, your credit score will not be affected.

You can view all Klarna purchases and payment schedules in the Klarna app or by logging into Klarna.com/uk.

Your payment details are processed securely by Klarna. No card data is transferred or held by [MERCHANT]. All transactions take place with connections secured by the latest industry security protocols.

Yes. Just go to the Klarnba app or go to the Klarna.com/uk website and pay in advance.

Klarna will send an email notification and a push notification from the Klarna application when a payment is due and when it has been successfully collected, or in the unlikely event that the payment is not successful. If a payment has been made but no confirmation of payment has been received, it will always be possible to check the status of the order and payments in the Klarna app or by accessing the website www.klarna.com/uk

Once [MERCHANT] has received the return (partial or total) and the user has received the confirmation of receipt, Klarna will send an account statement with an updated payment plan in the case of a partial return. With a full merchandise return, we will refund all payments received and cancel all future scheduled payments. The user can always monitor the status of his order in the Klarna app.

In the event that the goods have not yet been received, call [MERCHANT] to check the status of the order and its delivery. You can also contact Klarna Customer Service so that we can postpone the payment due date or put the order on hold in the Klarna app pending delivery.

As soon as the shop has registered the cancellation or return, the refund will be processed within 5-7 business days.

Refunds will be made to the debit or credit card that was originally given at checkout.

You can access the Klarna app or the website www.klarna.com/uk, where you can find all orders and information on scheduled payments.

See the Klarna app or the Klarna Customer Service page for a complete list of frequently asked questions, contact numbers and live chat.