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How Klarna helps to spread your finances

During these unprecedented times, we know that money might be a little tight. You're probably in need of a little retail therapy or home redecoration? Maybe you want to send a pick-me-up gift to loved ones that we cannot be with. That’s why we are working with Klarna for our UK customers. Klarna allows you to shop online, buy what you want today and pay for it later. Over 85 million shoppers already use Klarna to help spread their finances, with over 1 million transactions being processed per day. Their system is incredibly smooth and easy to use. They offer a range of clear payment options to choose from, depending on what option works best for you.

Pay in 30 Days
Buy now and pay later! This option allows you the possibility to pay on a due date 30 days from the shipment of your goods. Klarna will send you a payment instruction to pay directly to Klarna. Klarna offers customers Buyers Protection, meaning you do not have to pay for ordered goods until they have been shipped, giving you time to receive your purchase and decide whether it’s right for you or not. You can easily make payments online or using the Klarna app, making payments easy to track and make. There are no fees associated with choosing to pay later, as long as you make your payment by the agreed date. If you choose Pay later, Klarna will assess your creditworthiness. They may carry out a limited credit search on you at a credit reference agency which will not affect your credit score or your chances of obtaining a credit in future. Find more information and complete terms and conditions for pay in 30 days here.

The financing service from Klarna allows you to pay for your purchase in fixed monthly installments across 6 to 36 months, depending on what is agreed upon at checkout. You will need to complete a simple 4-step credit application and will find out instantly if you have been approved or not, meaning there’s no need to wait around! The installment payment is due at the end of each month, when you will be issued with a monthly invoice by Klarna which you can pay online or using their app. This option is perfect for those bigger purchases, allowing you the greatest flexibility in your payments. This plan is also interest-free as long as the agreed payments are made. Find more information and complete terms and conditions for financing here.

Interest-free Installments
Using interest-free installments, you can spread the cost of your purchase into 3 interest-free installments to be charged from your card automatically every 30 days. After we confirm that your order is on its way, Klarna will charge your card for the first third of the total amount. They will even send you a notification once the payment has been processed to make it easy to keep track of your payments. Every 30 days Klarna will automatically charge your card on third of the total purchase amount until the full order amount has been paid. You will be informed of each payment ahead of time and there's no interest, or fees to pay. Find more information and complete terms and conditions for interest free installments here.

We hope these payment options will be useful to you. We think shopping small and shopping ethically is the best choice a customer can make, so we greatly appreciate every purchase our lovely customers make with us. Another reason why we wanted to provide you with flexibility when it comes to your purchase, allowing you to shop ethically no matter your budget.
Klarna is only available for our UK customers, in cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden. All payments are to be made to Klarna, once you have set up Klarna we have no ability to interfere with the payment plans.
Thank you for continuing to support us. Happy sustainable shopping! 
Written By Leona Chapman

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