Klarna FAQ

Who is Klarna?

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.

How does Pay in 3 installments work?

Klarna’s Pay in 3 installments 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

Am I eligible for Pay in 3 installments?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 installments. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 3 installments orders at the same time?

Yes, you can. If you see Klarna Pay in 3 installments when you go to an online checkout then Pay in 3 installments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purch

What does Klarna consider when reviewing my application?

Klarna offers Pay in 3 installments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, and accurate address

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

If you want to purchase something using Klarna’s Pay in 3 installments, 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 phon

Will a credit search take place?

When you use Pay in 3 installments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

Klarna will take your Pay in 3 installments 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

Can I pay before the due date?

Yes. Just go to the Klarna app or log 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 Hagley West. All transactions take place through connections secured with the latest industry-standard security protocols.

How do I know Klarna has received my payment?

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.

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

Pay in 3 installments 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

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

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

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

If you have not received your goods please call Hagley West 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 w

What happens if I cancel or return my order?

As soon as Hagley West has confirmed with Klarna that your cancelation / 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.

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

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

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

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

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

Once Hagley West 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.

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 nd all of your orders and payment schedule information.

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

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