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What is Klarna?
Klarna is a Swedish payment service provider that helps you buy what you want now and pay for it later. Smooth, right? With over 60 million happy customers shopping with more than 100,000 online retailers – it’s safe to say they’re pretty good at what they do.
When shopping with us you can now pay the way you want to with Klarna. It’s up to you whether you prefer to pay right away, pay later or pay over time.
Please remember to spend responsibly – splitting payments can encourage further spending and cause debt.
How does it work?
Step 1 – Add products to your cart and select a “Klarna” option when you check out
Step 2 – Enter a few personal details and you’ll know instantly if you’re approved. There will also be a soft credit check on application to determine if you are eligible for this payment method. These do not impact your credit file, at application or if a payment is missed or late.
Step 3 – Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.
Ways to pay…
Pay In 30 Days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact to your credit score.
You must be 18+ and a UK resident to be eligible for this credit offer.
- Complete the payment in full after purchase at no added cost
- When spending up to £1000
- Only pay for the items that you keep
- Not making your payment on time could affect your ability to use Klarna in the future
- Debt collection agencies are used as a last resort
Pay in 3 interest-free instalments
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.
You must be 18+ and a UK resident to be eligible for this credit offer.
- A new way to pay that’s an alternative to a credit card
- When spending between £35 and £1000
- 3 instalments gives you flexibility to shop without interest or hidden fees
- Not making your payment on time could affect your ability to use Klarna in the future
- Debt collection agencies are used as a last resort
Am I eligible/will I be accepted?
You must be at least 18 years old to use Klarna payment services and they’re offered subject to your financial circumstances. Klarna uses a ‘soft credit search’ to assess who is eligible, but don’t worry, this doesn’t affect your credit rating.
When do I have to pay?
You’ll receive an email with payment instructions 2 days after your order is confirmed, depending on your chosen method. We’ll also send a little reminder a couple days before payment is due. You can also pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on the email or in the Klarna app to pay for your order.
How do I manage my account?
You can track your payments by logging into https://www.klarna.com/
Returns
Our normal fourth element returns policy applies, see here for details. Your refund will be processed after goods are received back to our warehouse.
Fourth Element acts as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB (publ). Credit is only available to permanent residents aged 18+ of qualifying countries, subject to status, T&Cs apply. Please note Pay in 30 days and Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.
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