General Klarna FAQs

Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores. For more information on Klarna, please click here. To view Klarna's T&Cs, please click here. 

For information on Klarna returns, please click here. 

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. 

Klarna offers a few options depending on the purchase amount. These include: 
Pay in 3: Split your purchase into three interest-free instalments, with the first taken at checkout and the following two spread over 30 and 60 days. 
· Pay in 30 days: Delay your entire payment for 30 days from the purchase date 
· Pay Now 

To use Klarna’s credit products, including Pay in 3 instalments and Pay in 30 days, you must be at least 18 years old and a UK resident. When you choose Klarna, they will also check the information you provide and your financial situation. 

Klarna offers Pay in 3 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 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 for Pay in 3 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders. 

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

When you use Pay in 30 days or Pay in 3, 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. 

If you have not received your goods, please call Argos customer services 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. 

As soon as Habitat 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 we’ve registered your cancelation or your return, the refund will normally be processed within 14 days. 

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

Once Habitat 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. 

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. 

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

Klarna processes payment information securely. No card details are transferred to or held by Argos. All transactions take place through connections secured with the latest industry-standard security protocols. 

Klarna's Pay in 3 / Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Minimum spend £30. Ts&Cs and late fees apply.

You do not need to pay for goods that are received damage, broken or faulty. Please contact Argos within 30 days of receiving the item and follow the dispute instructions. Make sure to also select “Report a problem” in your Klarna account to pause your statement until you’ve resolved the dispute. If you register a cancellation or return with Argos, the refund will be processed within 14 days of the cancellation, or collection date. 

Unfortunately not right now, it is online only and you can use Klarna on argos.co.uk, Tu.co.uk and Habitat.co.uk. 

Yes, as long as your Nectar card is linked to your Argos account. You can find out more about Nectar here. 

Yes 

Yes, you can use promotional codes when paying with Klarna. 

Unfortunately, you are unable to part pay. 

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free 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. 

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout then it 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 purchase. 

Klarna offers Pay in 3 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 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 for Pay in 3 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders. 

If you want to purchase something using Klarna’s Pay in 3, 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 will take your Pay in 3 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.  Just go to the Klarna app or log onto Klarna.com/uk. to pay before the due date.  

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. 

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. https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en-GB/paylaterin3 

Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. 

Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. 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. 

Klarna offers Pay in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days 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 for Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders. 

If you want to purchase something using Klarna’s Pay in 30 days, 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. 

Yes, you can. If you see Klarna Pay in 30 days when you go to an online checkout then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase. 

You can pay any time within 30 days of your purchase interest-free. You can make this payment using a payment card on the Klarna app or logging into www.klarna/com/uk. You can also enable Autopay and we will automatically collect payments on the due date. 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. Just go to the Klarna app or log onto Klarna.com/uk. to pay before the due date. 

If you choose to pay for your order using Pay 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. 

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. 

Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. 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.  https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en-GB/payin30bycard 

As Pay in 30 days 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. 

Klarna's Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. 

Pay Now allows you to make a fast and easy payment of your online purchases using your online banking details. 

Klarna accepts major debit and credit cards such as Visa, Discover, Maestro and Mastercard. Prepaid cards are not accepted.