Klarna FAQ

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 90 million active consumers across more than 250,000 merchants in 17 countries. For more click here

Who can have access to Klarna Services?

To use ‘Pay later in 30 days’ or 'pay in 3 interest-free instalments’, you must be at least 18. You should also make sure the card you use has enough money available to cover all the instalments. While both payment options are widely promoted, ‘Pay later in 30 days’ and 'pay in 3 interest-free instalments’ are subject to your financial circumstances. It’s worth noting that Klarna’s assessment will not affect your credit rating. Borrowing beyond your means could seriously affect your financial status though so please ensure you can afford to make your repayments on time by their due date.

For more details see How it works on klarna here 

Does klarna set up a direct debit

No is the simple answer, on the pay-in-3 plan, Klarna will simply take the payment rather than setting up a direct debit and will inform you ahead of time before each payment. On the pay-in-30 plan you simply set this up using klarna and pay when you feel you want to. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf.

What do I need to provide when I make a purchase?

If you want to purchase with Klarna you’ll need to provide your name, address and email address. For some orders, you may need to supply your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements, so it’s (very) important that you give us the correct details.

Is Klarna regulated?

On some of their products, yes. However the Pay in 30 days and the Pay in 3 monthly instalments are exempt from regulation. For more information, please visit

How does 'pay in 3 interest-free instalments’ work?

'Pay in 3 interest-free instalments’ allows you to spread the cost of your purchase over 3 equal payments. Please bear in mind that the payment for each instalment will be automatically collected from the debit or credit card you entered at checkout.
The first instalment will be collected when your order is confirmed and instalments 2 and 3 will be 30 and 60 days later. You can use the Klarna app to monitor your payments.

How does 'Pay later in 30 days' work?

Your agreed payment period starts when the order is shipped. This means that you can take the time to try your order without the stress of upfront payment. Once your order is completed, Klarna will email you with instructions within two working days. You’ll then have 30 days to Complete the payment online, when you feel you want to. You can pay via credit or debit card in the Klarna app or by logging in to www.klarna.com/uk. Not making your payment on time could affect your ability to use Klarna in the future.

What happens if I don’t pay for my order?

If you choose the option 'pay in 3 interest-free instalments’, Klarna will automatically attempt to collect the payment for your 'pay in 3 interest-free instalments’ purchase from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date, Klarna will make one further attempt to automatically collect payment two days later. However, should this last payment attempt fail, Klarna will send you a statement for the full outstanding order amount which will become payable 15 days later. Klarna will notify you when a payment is due two days in advance of attempting to collect your payment, plus, you can always monitor the due date in Klarna app at your convenience.
If you choose the option ‘Pay in 30 days’, payment is due 30 days after the item is shipped.
Your credit score will not be impacted by using Klarna’s 'pay in 3 interest-free instalments’ or ‘Pay later in 30 days’ products, even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. Failure to make payment on time could result in your debt being passed to a debt collection agency, so please spend responsibly.

Will a credit search take place against me?

Klarna may run unrecorded enquiries known as soft credit searches that do not affect credit scoring.These are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Tribal/Ruption Ltd runs credit searches against you that could impact your credit rating.


Can I pay before the due date?

Yes you can. Simply go to the Klarna app or log in to Klarna.com/uk to make a payment.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card that was originally entered at checkout.

Why have I not been offered 'pay in 3 interest-free instalments’/'Pay later in 30 days'?

‘Pay later in 3 interest-free instalments’ & ‘Pay later in 30 days’ are widely promoted, but are not always universally available. The 'pay in 3 interest-free instalments’ and ‘Pay later in 30 days’ payment options are automatically generated by algorithms that are dependent upon several factors including your address details, cardholder details, amount of order, the online store, previous order history and item availability.

I still have questions regarding payment, how can I get in touch?

For extra support, please visit the Klarna app or Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Responsible Buying...

Please spend responsibility. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time. We at Tribal wish our buyers the more options when buying on our site, but we do not want anyone to fall into financial difficulties, For this reason we recommend checking your basket and bank accounts before making purchases.
Check out klarna.com to find out more.