It’s smoooth and simple
When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase.
Flexible ways to pay with Klarna
Option 1
Pay in 30 days
No fees. No interest.
- Order now, pay later.
- No upfront cost – 30 days to pay.
Option 2
Pay in 3 instalments
On baskets up to £2000
- Split your purchase into 3 payments.
- First payment at checkout, others every 30 days.
- No interest or fees.
Option 3
Monthly Financing
For orders £250 – £5000
- Spread over 6, 12, 24, or 36 months.
- 21.9% APR fixed.
- Instant decision at checkout.
- Flexible deposit, paid by Direct Debit.
Important: Klarna’s Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or missing payments may affect your credit score. 18+, UK residents only. Subject to status. Ts&Cs apply.
Klarna Financing is a fixed-sum, fixed-term regulated credit agreement. Minimum spend £250, maximum £5000. A deposit may be required based on order value and your credit rating. Full terms available at checkout.
See how it works.
Please note for monthly finance calculations these are estimates and for accurate values these are provided at checkout from Klarna.
Select an amount
Choose how you want to pay
Pay in 3 instalments so you can spread the cost.
1st payment
£66.66
2nd payment
£66.66
3rd payment
£66.68
Shop now. Pay later with Klarna.
More Information
Pay in 30 days
Get what you love today and pay up to 30 days after placing your order. No upfront payments.
Pay in 30 days is an unregulated credit agreement. 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.
T&Cs and late fees apply.
Pay in 3 instalments
Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest.
Klarna's Pay in 3 is an unregulated credit agreement. 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.
T&Cs and late fees apply.
Financing
Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna app.
- APR is 21.9%
- Spread the cost over 6, 12, 24, or 36 months
- Minimum purchase value: £250 / Maximum: £5000
- 0% down payment for orders between £250 and £1000 (orders cannot be below £250)
- 10%–50% down payment required for orders between £1000.01 and £5000
- Deposit amount is automatically determined based on credit rating and order value
- Fixed-sum, fixed-term agreement — payment, interest rate, and term never change
- Payments are taken via Direct Debit
* Please spend responsibly. Missed payments may affect your ability to use Klarna in the future. Credit is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.
Part 1: How it works
Shop now. Pay later with Klarna.
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.
Here’s how it works:
- Add products to your cart and select “Buy Now - Pay Later" when you check out
- Enter a few personal details and you’ll know instantly if you’re approved (Note- For ROI Customers, Klarna Pay in Parts is available up to €1500)
- Klarna will send you an email confirmation and reminders when it’s time to pay
- You can complete your future Klarna purchases with just one click
Part 2: Payment information
Pay in 3 interest-free installments
Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments every 30 days. No credit checks, and no interest or fees.
- 3 months Interest-Free
- 6 months 21.9% APR
- 12 months 21.9% APR
- 24 months 21.9% APR
- 36 months 21.9% APR
Financing
Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna App.
Part 3: About Klarna
Pay online or in the app
Review your latest purchases and make payments in the Klarna app or online.
Safe and secure
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.
Frequently asked questions
Visit our FAQ page to find out more about using Klarna.
About Klarna
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you love.
- 80 million shoppers are using Klarna.
- 190,000 retailers are working with us worldwide.
- We’ve been powering online checkouts for 14 years.
Risk warnings
For regulated credit products. Financial promotions may contravene the FCA's 'clear, fair and not misleading' rules if they omit relevant risk warnings. Examples of relevant risk warnings for regulated products include:
- Late or missing repayments may have serious consequences for you and cause you serious money problems.
- Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
- If you do not make your full monthly payment, the interest-free arrangement will cease and you'll be required to pay interest on all future payments at 21.9% APR Representative.
Specific FCA rules for Buy Now Pay Later products.
The FCA has more detailed rules concerning Buy now, pay later credit products (BNPL). Your BNPL financial promotion is likely to be misleading by omission if it: • Refers to a zero percent or low interest, introductory, or other promotional offers available under a BNPL agreement • Does so in a way that is likely to influence a consumer’s decision about whether to enter into a BNPL agreement or whether and how to make use of credit available under an existing BNPL agreement; and • Does not include in a fair and prominent manner material information about relevant risks relating to BNPL credit include the limitations that apply to any zero percentage or low interest, introductory or other promotional offers, including the circumstances in which interest or charges could become payable and how these would be calculated if those circumstances arose, including the date from which interest or charges would accrue, the rate of that interest or those charges and the amount of principal on which the interest would be charged. The average consumer is likely to need information about these matters to make an informed decision about whether to enter into a BNPL agreement. The information that a financial promotion about a BNPL agreement is required to include to avoid a misleading effect and how that information should be presented, will depend on the context of the communication or financial promotion, including its medium and any other information that you have provided to the recipient
Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.
