Paying later or in instalments are great ways to budget and spread the cost of your spending – but do think carefully about your finances before picking any kind of 'pay later' option. Make sure you plan ahead and have enough money to pay the amounts back each month. If you want to know a bit more, our helpful FAQs are a good place to start.
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.