Get what you love at no extra cost. See where you can pay in 3.
Split the cost of your purchase
Why do shoppers choose to pay in 3?
- No fees when you pay on time.
- Instalments are collected automatically every 30 days.
- Get more control over your cash flow.
How Pay in 3 works
Pay in 3 allows you to split your purchase into 3 interest-free instalments, paid every 30 days. Just choose Klarna at checkout at partner stores. The first instalment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining 2 instalments will be automatically charged every 30 days afterwards, with no interest or fees if you pay on time.
- Choose Klarna at checkout – Click on the pink badge and pay with Klarna at your favourite stores.
- Pay your first instalment upfront – Choose Pay in 3, and your first payment is collected when your order is shipped.
- No fees when you pay on time – The next two instalments are automatically charged every 30 days. We’ll keep you on track with reminders and updates in the Klarna app.
What happens if I miss a payment?
Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. We won’t charge you a late fee if you have less than £1 left to pay.
Who can use Klarna?
To be eligible to use Klarna you must:
- Be a UK resident
- Be at least 18
- Have a valid card/bank account
- Be able to receive verification codes via text
For more details please see PayPal’s own page here: https://www.klarna.com/uk/payments/
Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated by the FCA. 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. Ts&Cs and late fees apply.
¹ Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see
https://support.apple.com/120477. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
² Klarna Credit Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).