COVID 19 Update - Services running as normal - click for more info

Klarna
Shop now & pay later

Who is Klarna?

We’ve partnered with payment provider Klarna to offer you two flexible finance options – at no extra cost. There’s a more traditional Interest Free Credit option spread over 12 months for larger purchases; as well as new and innovative Pay in 3 option for smaller amounts. Get approved in seconds, choose a schedule that works for you, and enjoy your new furniture.

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 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments

https://www.klarna.com/uk/about-us/

 

How does it work?

Step 1: Shop

Add item(s) to your cart and head to the checkout.

Step 2: Choose how to pay

Select Klarna at the checkout to pay as you like for your purchase.

Step 3: Pay

Manage your orders and payments in the Klarna app.

FINANCE OPTIONS

OPTION 1: FINANCING – 12 MONTHS INTEREST FREE CREDIT1

Conveniently pay for purchase over time with monthly financing. Spread your payments over 12 months. Completely interest free*. 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.

For further information please read our FAQs and Klarna’s full terms and conditions.

*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 18.9% APR Representative. Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

 

OPTION 2: PAY IN 3 INTEREST FREE INSTALMENTS2

Spread the cost of your purchase into 3 interest-free instalments. Pay a third just prior to delivery, 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.

No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 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.

For further information read our FAQs and Klarna’s full terms and conditions.

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.

1Speed 9521 Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 728204) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply

Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

 

2Speed 9521 Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 3 instalments is not regulated by the FCA.

 

FINANCE FAQs

How does Financing work?

Spread the cost of your purchase into equal monthly payments with 0% interest. Financing is a promotional plan on the Klarna Account.

 

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this option. The first time you shop with Financing you will be asked to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the ​Klarna app​.

 

I have been asked to go to the Klarna site. Is this correct?

If you have chosen to pay with Financing by Klarna, Klarna will send you an email with further details on how to pay.

 

Can I pay less than the amount owed each month?

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

 

Do I need to be 18?

Financing is only available to people aged 18 or over and is an online exclusive payment method.

 

How do I manage my Klarna Account?

Log in to the Klarna App or Klarna.com/uk at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.

 

How can I increase my chances of being accepted for Financing?

Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

 

How is my statement sent?

If you chose to use Financing, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. You can always monitor the active statements in Klarna app at your convenience.

 

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

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

 

Is my payment information safe?

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

 

How do I make a payment?

First, log in the Klarna app or in www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount youwish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service.

 

I haven't received an email with my statement.

Please log in the Klarna app to view the statements or contact Klarna’s Customer Service via live chat or phone.

 

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

 

What happens if I cancel or return my order?

As soon as Speed 9521 Ltd have accepted your cancellation/return, then Klarna will make any necessary adjustments to your balance and provide further help if needed.

 

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, we will credit the balance back to your Klarna Account within the next 5 business days.

 

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

If you have paid for your order with a card, the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.

 

I've received my monthly statement and a payment is due, but I've not yet received my goods.

You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact our Customer Service so that we 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.

 

I still have questions regarding payment.

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

 

PAY IN 3 FAQs

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Speed 9521 Ltd and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

 

Am I eligible for Pay later in 3 interest-free instalments?

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

 

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

 

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 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card 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 Speed 9521 Ltd run credit searches against you that could impact your credit rating.

 

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments 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 are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

 

What happens if I cancel or return my order?

As soon as Speed 9521 Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

 

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Speed 9521 Ltd 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. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

 

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

 

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Speed 9521 Ltd. All transactions take place via connections secured with the latest industry standard security protocols.

 

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

 

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

 

What happens to my statement, when I've returned the goods?

Once Speed 9521 Ltd has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.

 

I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Speed 9521 Ltd to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we 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.

 

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

 

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

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

 

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

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.

 

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

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

left
right

NEWSLETTER Sign up for the latest
offers, products and more...

...
Chat (Loading...)
Enquire Now
Welcome:
Hello and welcome to chat, please enter a message below to begin...
Thank You

Your message has now been sent and we will get back to you as soon as possible.

If your enquiry is urgent we recommend you call us.