Klarna Finance
Pay later with Klarna
Buy it. Love it. Pay for it.
- 30 days to pay with no interest or fees for the service - ever
- Simple, safe and secure
Shop with just a few clicks!
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Select ‘Pay later’ at checkout. |
Enter a few personal details - name, email, postcode and DOB. No card information required! |
Complete the purchase and your items will be shipped. |
Receive payment instructions from Klarna via email |
Enjoy your goods and pay when you’re ready! |
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Shopping with Klarna You can review your latest buys and settle your monthly statement at any time by logging in at www.klarna.com or by downloading the Klarna app.
If you need further assistance you can contact our customer care team for free, or use our online chat service. |
Peace of mind with Klarna’s Buyer Protection You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.
More about Klarna’s Buyer Protection
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Contact Klarna
If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.
Please find links below to Klarna's website where you can find more information on Pay later.
Click here for information regarding Pay later.
Click here for frequently asked questions or Klarna's Customer Service
www.klarna.com/uk/customer-service
Local number: 0203 0050 833
Freephone number: 0808 1893 333
About Klarna
It’s all about smoooth (yes, with 3 ooo’s). Klarna is Europe’s leading alternative payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time – offering a trusted, frictionless and smoooth checkout experience.
With Klarna, customers only need to provide top-of-mind information to complete a purchase. At the core of Klarna’s services is Pay later, which lets you check out items in your own home before you pay.
Klarna now works with 100,000 merchants to offer payment solutions to shoppers across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.
Who is Klarna? Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
How does Pay later work? Once your order's confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to get your tools and pay later. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk
Am I eligible for Pay later? To use Pay later you must be at least 18. Whilst this option is widely promoted, Pay later is subject to your financial circumstances. When choosing Pay later, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later? 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.
What do I need to provide when I make a purchase? If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The 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 the payment information and so will be liable for delayed payment fees.
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 Haigh Trading (UK) Ltd T/A White Rose Tools run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later? Although Pay later is widely promoted it is not always universally available. The Pay later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.
What are my payment options with Klarna? You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card. What happens if I cancel or return my order? As soon as Haigh Trading (UK) Ltd T/A White Rose Tools have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.
What happens if I don’t pay for my order? Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.
I have been asked to go to Klarna's site. Is this correct? If you have chosen to Pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.
What do I need to provide when I make a purchase? If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important, that you give us the correct details, as otherwise you will not receive the payment information.
Is my payment information safe? Payment information is processed securely by Klarna. No card details are transferred to or held by Haigh Trading (UK) Ltd T/A White Rose Tools. All transactions take place via connections secured with the latest industry standard security protocols.
Can I pay before the due date? You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.
Have you received my payment? If you pay by card, Haigh Trading (UK) Ltd T/A White Rose Tools will confirm your order right away. If paying by Pay later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com.
What happens to my statement, when I've returned the goods? Once Haigh Trading (UK) Ltd T/A White Rose Tools has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.
I've received a statement, but I've not yet received my goods. You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call Haigh Trading (UK) Ltd T/A White Rose Tools to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.
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.
I have asked for a refund. How will I be refunded? If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.
I haven’t received an email with my statement/payment information. If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders and be able to make payments.
I still have questions regarding payment, how can I get in touch? Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.