Klarna
We've partnered with Klarna to offer Pay in 3 and Pay in 30 Days. All Klarna payments are covered by Klarna's Buyer Protection service. Klarna will provide additional support and dispute services if your products don't match the description provided or there are problems with your deliveries.
Klarna Pay in 3
With Klarna's "Pay in 3" option, eligible customers can spread the cost of their payment into three interest-free payments. The first payment will be due at the time of purchase, with the second and third payments being taken every month on the same date.
Klarna will make a decision within a matter of seconds within their app. If you're approved, Klarna will reserve the funds for the first payment on your card or bank account. This means you won't be able to spend these funds elsewhere. Once your items have been shipped, the funds will be released to Klarna and your bank statement will be updated to reflect this.
You can use this method (subject to terms and approval) for transactions between £30 and £2500 on the Loaf.com website.
Klarna Pay in 3 is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score.
Klarn'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. Late fees may apply.
Full terms and conditions are available on the Klarna UK website
Klarna Pay Later (30 days)
Using Klarna's Pay Later payment option, you can make your purchase today and pay up to 30 days later interest-free.
Klarna will send you reminders to make payment with details on how to do this. If you'd like to make your payment before the 30 days is up, you can do this through the Klarna app at any stage.
You can use this method (subject to terms and approval) for transactions on the Loaf.com website with no limit.
Klarna Pay Later is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score. A soft credit check will be carried out to ensure that responsible lending standards are being met. You'll be able to see the check on your credit file, but no one else will.
Klarn's Pay Later (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. Late fees may apply.
Full terms and conditions are available on the Klarna UK website
Frequently asked questions
Who are Klarna?
Klarna Financial Services UK Limited is a Swedish bank that provides online financial services. There are over 6 million customers in the UK who have used Klarna to securely handle payments.
Klarna is regulated by the Swedish Financial Supervisory Authority (SFSA) since Klarna has its banking licence in Sweden. However, Klarna is also required to comply with the standards set by the United Kingdom Financial Conduct Authority (FCA) when trading in the UK. Any dispute between a customer and Klarna will be settled by the courts of England and Wales.
Klarna Global HQ: Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID: 556737-0431.
Klarna UK HQ: 33 Cavendish Square, Marylebone, London W1G 0PW. UK Company ID: 08706739.
How can I contact Klarna?
If you would like to contact Klarna regarding your application for finance, or your repayments, you can do so by calling them on 0808 189 3333 (9am - 6pm seven days a week) or by using the live chat facility on the Klarna website.
Is Klarna regulated?
When trading in the United Kingdom, Klarna is required to comply with the standards set out by the United Kingdom Financial Conduct Authority (FCA).
What happens if I can't make a payment?
If you find yourself in a situation where you are unable to make a monthly repayment, you should notify Klarna's customer service team immediately by calling them on 0808 189 3333 or by using the live chat facility on the Klarna website.
Independent guidance can also be found on the Citizens Advice website if you are experiencing financial difficulties.
What happens if I'm not happy with the service from Klarna?
If you're not happy with the service you've received from Klarna, you should contact Klarna's customer service team immediately by calling them on 0808 189 3333 or by using the live chat facility on the Klarna website. Once Klarna has reviewed your complaint, they will write to you to inform you of their outcome. If you are then unhappy with the outcome, you are entitled to refer the matter to the appropriate regulatory body. Klarna will provide you with the details and explain how the process will work from this point onwards.
