Introducing Klarna

What is Klarna pay later?

Klarna is a payment service provider that takes end-to-end responsibility for your payment.

Klarna allows you to pay later either by deferring payment for 30 days or spreading the cost of your payment over 3 instalments.

These options vary across markets.

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.

https://www.klarna.com/uk/about-us/
You need to be at least 18 years old and a UK resident to use Klarna’s credit products. When you choose Klarna they will also check the information you provide and your financial situation.
If you want to purchase something using Klarna, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.
Klarna offers services 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 Klarna 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 before does not mean it will be offered for every order. In turn, if your application is denied, it does not mean it will be denied for future orders.
When you use Klarna, they will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
Payment information is processed securely by Klarna. No card details are transferred to or held by Lovehoney. All transactions take place through connections secured with the latest industry standard security protocols.
Yes. Just go to the Klarna app or log onto www.klarna.com/uk
Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk
Yes, you can. If you see Klarna when you go to an online checkout it is available to you. Every time you use Klarna they will check to see whether you can use the service again for each additional purchase.
If you have not received your goods please call Lovehoney to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.
You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.
As soon as Lovehoney has confirmed with Klarna that your cancellation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
As soon as the store has registered your cancellation or your return, the refund will normally be processed within 5 business days.
Refunds will be issued back to the debit or credit card which was originally used at checkout.
Once Lovehoney has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
Once Lovehoney has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

Pay in 30 days

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app
If you choose to pay for your order using Pay later in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.
You can pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.
Pay later in 30 days is a credit product and you are required to make your payment to Klarna. 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. Full details can be found in the Klarna terms and conditions here.
As pay later is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future
As soon as Lovehoney have accepted your cancellation full /return, then Klarna will close your statement and if relevant refund your payment. As soon as Lovehoney have accepted your Partial refund an updated statement will be sent to you by Klarna. If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all your orders and be able to make payments.
You can 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 this email to pay for your order.

Pay in 3

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 will take your Pay in 3 instalments 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.
As soon as Lovehoney have accepted your cancellation or return then Klarna will cancel any future scheduled payments, refund any amounts due or send an adjusted payment schedule to you.
Yes. Just go to the Klarna app or log onto www.klarna.com/uk/
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. Full details can be found in the Klarna terms and conditions here.
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.

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

Visit the Klarna app, or go to Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Terms of Service

Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders.

18+, UK residents only. Subject to status. T&Cs apply.