Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.

Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

Klarna is offered based on a number of factors such as the purchase amount, and previous order history. If you are over 18, you can improve your chances of being offered Pay in 3 instalments 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 Klarna before does not mean it will be offered for every order. In turn, if your application for either product is denied, it does not mean it will be denied for future orders.

When you use Pay in 3 instalments Klarna will perform a soft credit check, this will not affect your credit score. However, as a responsible lender, Klarna will share data about your payments to credit reference agencies which are visible to other lenders. The search will help Klarna look at certain information in your credit report to decide whether to approve your purchase.

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase.You can see both past and future payments using the Klarna app.

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then 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. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies. Late fees may apply.

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. 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. Late fees may apply. Full details can be found in the Klarna terms and conditions here.

Late fees are added to your invoice if:

• The payment has been registered after the due date.
• The entire payment is missing for a purchase.
• The amount you paid is lower than the invoice amount.

If you pay on time, there will be no late fees. We have a number of tools to help you pay on time:

• Friendly reminders. We’ll send at least 4 reminders before applying a late fee.
• If you need more time, you can also extend your due date, free of charge, by up to 10 days, once per payment.

No, there are no fees if you pay on time. Fees only apply if you miss a payment after the due date has passed. That is 14 days after the due date for Pay in 3.

If you are experiencing financial hardship, need any additional support or help to plan your future payments, please contact our Customer support team here so we can discuss what options are available and find the best solution for you.