Klarna - Pay Later in Three Interest-free Instalments

What exactly is Klarna?

Klarna is a payment company from Sweden that looks after your payment from start to finish. It powers checkouts for over 200,000 web shops, and more than 85 million shoppers around the globe rely on it to process their payments safely.

Pay later in three interest-free instalments: how does it work?

This option lets you divide what you owe into 3 even payments. Each one is taken automatically from the debit or credit card you used at checkout. The first is charged once Neck On The Line confirms your order, then the second follows 30 days afterwards and the third 60 days afterwards. Your payment timetable is always visible via the Klarna app.

Can I use Pay later in three interest-free instalments?

You need to be 18 or older to choose this option. Although it is promoted broadly, approval depends on your personal financial situation. Our check when you select it will have no effect on your credit rating.

What can I do to get approved for Pay later in three interest-free instalments?

Klarna decides each case on its own, looking at things like the basket total, your earlier orders and stock levels. If you are 18 or older, you can boost your odds by entering your complete name and a correct address, and by sending the parcel to the billing address you have registered. Every order is judged separately. Being approved for a Klarna payment method in the past does not guarantee it for each new order, and likewise a refusal once does not mean you will be refused every time afterwards.

Which details are needed at the time of purchase?

To buy through Klarna with this instalment plan, you will have to enter a mobile number, an email address, your current billing address and a debit or credit card. We ask for the mobile number in case we have to contact you, while every message is sent by email. Please make sure all details are correct, or you may miss your payment timetable and any order updates.

Will my credit file be searched?

Klarna can carry out what are known as soft searches, which leave no mark on your credit score and can only be seen by you and Klarna, never by other lenders. Neither Klarna nor Neck On The Line performs any search that could harm your credit rating.

Why was Pay later in three interest-free instalments not shown to me?

This option is advertised widely, yet it cannot be offered to everyone. Whether it appears is worked out automatically by algorithms, which weigh up address information, cardholder information, the order total, the web shop concerned, your earlier orders and stock availability.

Which ways of paying does Klarna give me?

The cost of your instalment plan is drawn automatically from the debit or credit card entered at checkout. The initial payment is charged as the order is confirmed, and the second and third are taken 30 and 60 days after that first one. You can check your schedule at any time via the Klarna app.

What if I cancel or send back my order?

Once Neck On The Line approves your cancellation or return, Klarna stops all upcoming payments and refunds whatever is owed. The change shows up via the Klarna app straight away.

What if my order goes unpaid?

Klarna will try to take each payment for your Neck On The Line purchase from the debit or credit card given at checkout. When a scheduled payment fails, a second attempt is made two days later. If that also fails, Klarna sends a statement covering the whole unpaid balance, due 15 days after it is issued. You will be warned two days before any payment is attempted, and the due date is always shown via the Klarna app. Using the ‘Pay later in 3 instalments’ product will not damage your credit score, even when a payment is late.

Klarna’s website has been mentioned to me. Is that right?

Yes, you can see every Klarna purchase and your payment timetable via the Klarna app, or by signing in at Klarna.com/uk.

Are my payment details secure?

Klarna handles your payment details securely. Neck On The Line never receives or stores card numbers, and every transaction travels over connections protected by up-to-date industry security standards.

Is early payment possible?

Yes. Open the Klarna app or sign in at Klarna.com/uk and settle the balance early.

Has my payment arrived?

Klarna sends an email and an app notification when a payment is due, when it has gone through, and in the rare case that it fails. Should a payment have been taken without you getting a confirmation, you can look up the state of your order and payments via the Klarna app or after signing in at www.klarna.com/uk

What becomes of my statement after I return the goods?

After Neck On The Line has received your parcel back (in part or in full) and confirmed this to you, Klarna emails a revised statement with an adjusted schedule if the return was partial. If everything is returned, any money already taken is refunded and later payments are cancelled. The status of your order is always shown via the Klarna app.

A statement has arrived, yet my goods have not.

If your items have not turned up, please call Neck On The Line to ask about the order and its delivery. You may also reach out to Klarna’s Customer Service, who can push back your due date or pause the order via the Klarna app until the goods arrive.

When will my refund reach me?

Once the shop has logged your cancellation or return, your refund is processed in 5-7 business days.

In what way will I be refunded?

The money goes back onto the debit or credit card that you originally used at checkout. If no email with your statement or payment details has reached you, open the Klarna app, or visit www.klarna.com/uk and log in, to see all your orders and the payment schedule.

Payment questions remain; how do I contact you?

The Klarna app and Klarna’s Customer Service page list answers to common questions, plus live chat and phone contact choices.

Klarna: Pay Later Within 30 Days

Pay later within 30 days: how does it work?

After your order is confirmed, Klarna emails you the payment details within two days. From then you get 30 days to try your purchase and pay only if you are pleased with it. Payment is made online whenever suits you, at no added charge, with a credit or debit card, either in Klarna.app or once logged in at www.klarna.com/uk.

Can I use Pay later within 30 days?

This option is for customers aged 18 or over. Though it is promoted broadly, it depends on your own financial situation. Our check when you choose it will not touch your credit rating.

What can I do to get approved for Pay later within 30 days?

Klarna reviews each order separately, using factors such as the basket total, your earlier orders and stock levels. Customers aged 18 or over can improve their odds by typing in a complete name and a correct address, and by having the parcel delivered to the registered billing address. Having used Pay later within 30 days previously gives no promise it will be available again, and a refusal once does not mean you will be refused in future.

Will my credit file be searched?

Klarna can carry out what are known as soft searches, which leave no mark on your credit score and can only be seen by you and Klarna, never by other lenders. Neither Klarna nor Neck On The Line performs any search that could harm your credit rating

Why was Pay later within 30 days not shown to me?

This option is advertised widely, yet it cannot be offered to everyone. Algorithms decide automatically, weighing the order total, the web shop concerned, earlier orders and stock availability. You can still finish your purchase by paying with a credit or debit card at checkout.

Which ways of paying does Klarna give me?

Either pay straight away at checkout using a debit or credit card, or pick our Pay later within 30 days option and pay once the goods are in your hands, again by credit or debit card. Anything outstanding can be viewed via the Klarna app at any time.

What if I cancel or send back my order?

When Neck On The Line approves your cancellation or return, Klarna will either close the statement or refund what you paid. The change shows up via the Klarna app straight away.

What if my order goes unpaid?

The amount falls due 30 days after dispatch. So that you pay on schedule, we remind you two days beforehand by app notification or email, and if you are very overdue we may also write or text you. Using Klarna’s ‘Pay later within 30 days’ products will not damage your credit score, even if a payment is late.

Klarna’s website has been mentioned to me. Is that right?

When you pick Pay later within 30 days, Klarna emails you full instructions for paying. That message includes a link to Klarna, where a credit or debit card can be used to settle up. The instructions can also be found at any moment via the Klarna app.

Which details are needed at the time of purchase?

To buy using Klarna, enter your name, address and email. Some orders also call for a mobile number or a date of birth. Everything, such as payment reminders and links to online statements, goes to your email. Please double-check your details, otherwise the payment information will not reach you.

Are my payment details secure?

Klarna handles your payment details securely. Neck On The Line never receives or stores card numbers, and every transaction travels over connections protected by up-to-date industry security standards.

Is early payment possible?

Yes, any time after Klarna’s email with your payment details lands in your inbox. Follow the steps in that email, or via the Klarna app, to pay for the order.

Has my payment arrived?

Card payments are confirmed by Neck On The Line immediately. With Pay later within 30 days, Klarna emails a confirmation to the address used for the order. Should you have paid and received nothing, the state of your order and payments can be checked inside the Klarna app, or by logging in on www.klarna.com/uk.

What becomes of my statement after I return the goods?

After Neck On The Line has received your parcel back (in part or in full) and confirmed this to you, Klarna emails a revised statement if the return was partial. For a complete return, the statement is simply closed. The status of your order is always shown via the Klarna app.

A statement has arrived, yet my goods have not.

With 30 days available, there is no need to settle immediately. When the due date approaches and your goods have still not arrived, please phone Neck On The Line about the delivery. You may also reach out to Klarna’s Customer Service, who can push back your due date or pause the order via the Klarna app until the goods arrive.

I cancelled my order. When will my refund reach me?

Once the shop has logged your cancellation or return, your refund is processed in 5 business days.

I requested a refund. In what way will I be refunded?

Customers who paid by card are refunded to that very card. Where the statement is still unpaid, the refund lowers the balance or removes it entirely.

No email with my statement or payment details has reached me.

Without your statement number to hand, use the Klarna app, or log in at www.klarna.com/uk, where all your orders appear and payments can be made.

Payment questions remain; how do I contact you?

The Klarna app and Klarna’s Customer Service page list answers to common questions, plus live chat and phone contact choices.