Klarna FAQ

Repair your Device NOW and Pay Later

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

Why Use Klarna?

  • No need to enter card details when paying 30 days later.
  • Instant decision, with no interest or fees.
  • Klarna will contact you via email with details on how to pay.
  • There is no credit application.
  • There is no need to create an account.

What Do I Need to Sign Up?

  • be at least 18 years old.
  • have a UK bank account.
  • have a UK residential address.

FAQs

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later work?

Once your order is confirmed, you’ll receive an email with payment instructions within two days from Klarna. You’ll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online at your convenience, with no extra cost. You can pay via credit or debit card at klarna.com/uk.

Am I eligible for Pay later?

To use Pay Later, you must be at least 18. While this option is widely promoted, pay later is subject to your financial circumstances. When choosing to pay later, our assessment will not affect your credit rating.

How does Pay later in 3 work?

Pay Later in 3 will allow you to spread the cost of your purchase over 3 equal payments. Each instalment payment will be automatically deducted from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by WeFix, and instalments 2 and 3 are scheduled for 30 and 60 days later, respectively.

Am I eligible for Pay later in 3?

To use Pay Later in 3, you must be at least 18. Whilst this option is widely promoted, Pay Later in 3 is subject to your financial circumstances. When choosing to pay later in 3, our assessment will not affect your credit rating.

Why have I not been offered Pay later in 3?

Although Pay Later in 3 is widely promoted, it is not always universally available. The Pay Later in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors, including address details, cardholder details, amount of order, the online store, previous order history, and item availability.

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

If you want to make a purchase with Klarna using Pay later in 3, you’ll need to provide your mobile phone number, email address, current billing address, and a debit or credit card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me?

Klarna may run so-called “unrecorded” enquiries (or “soft credit searches”) that do not affect credit scoring and are only visible to you and Klarna but not visible to other lenders. Neither Klarna nor WeFix run credit searches against you that could impact your credit rating.

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

Payment is due 30 days after the item is shipped. To help you pay on time, we’ll alert you two days before payment is due – you’ll receive email reminders to pay – and, if it’s very late, we’ll also send you a text or letter, too.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by WeFix. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment. Just follow the instructions in this email to pay for your order.

I haven't received an email with my statement/payment information.

If you do not have your statement number to hand, you can log in at klarna.com/uk, where you will find all of your orders and be able to make payments.

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

Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.

If you choose Klarna’s pay in 30 days or pay in 3 options, Klarna will never charge interest or late fees, and there is no impact on your credit score (either for choosing to use Klarna, or if a payment is late or missed). This doesn’t mean you should go wild, though. It’s more about enjoying the choice to spend flexibly, and you should be sensible with the amount of stuff you buy. Plus, don’t forget to keep checking in on any remaining pay-later balances.

 

Just so you know, Klarna will perform soft searches with credit reference agencies when you take out its payment options (‘Pay in 3’ or ‘Pay in 30 days’)—this is just to check that you’re eligible. Don’t worry, this won’t impact your credit file and it’s only visible to you and Klarna.

 

If you have any trouble with your order, please contact Klarna Customer Service.