Pay Later with Klarna

Join 150 million customers and choose flexible payments, lightning-fast checkout and secure shopping – at 20,000+ partner stores.

* Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact
your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions.

1. Does Klarna Perform a credit check, and will it affect my credit score?
   
   Depending on the payment method or service you choose, we may perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.
   
   Using the below Klarna payment options will not affect your credit score. However, existing, late and unpaid balances, and payment holidays, are visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.
   
   Choosing to ‘Pay in 3 installments’
   Deciding to ‘Pay in 30 days’
   Creating a ‘One-time card’
   
   Using Klarna might affect your credit score when:
   Applying for one of our Financing options
   
   If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.
   
   
2. What is an Affordability Assessment?
   
   When you choose the Financing option you will be asked to provide or confirm some details about your financial situation. We’ll use this information to decide whether we think you are able to meet your repayment obligations.
   
   
3. What information do I need to provide when I buy?
   
   To make a purchase with Klarna you need to provide:
   
   Your phone number
   Email Address
   Current billing address
   A valid debit/credit card
   
   We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.
   
   All information will be sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.

For full information on Klarna please visit their website - www.klarna.com/uk/.