How can we help you?

Who are Klarna?
Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. Klarna is now one of Europe’s largest banks and is providing payment solutions for 60 million people across 90,000 merchants in 14 countries. We’ve partnered with Klarna to give you more payment options when you shop with us.

What is Klarna?
Klarna is a payment method which allows you to buy now and pay later, or pay for your purchase across a number of instalments, please click here for more information.

Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. Klarna is now one of Europe’s largest banks and is providing payment solutions for 60 million people across 90,000 merchants in 14 countries. We’ve partnered with Klarna to give you more payment options when you shop with us.

Who can use the Klarna payment options?

• Customers over the age of 18.
• Currently Klarna is not available for all countries, please see below for more information:

Financing option

* Instalments available to you will be available depending on the value of your order

** Interest fees are based on an effective interest rate and are available to view once you go through to the Klarna payment method

Account (flexible) option

***There is an annual interest rate and a monthly account fee. Information available within the Klarna payment method

Pay Later in 3 or 4 option

How do I pay using Klarna?
To pay using Klarna, simply select it as an option in the checkout and follow the instructions.

Please note you can only pay with Klarna on purchases up to $1500

When do I have to pay for my order?
If you’ve chosen to pay with one of the ‘Financing’ options: your payment will be split into equal monthly payments. You’ll be able to select how many months you wish to pay over from the payment schedule within the Klarna checkout.

If you’ve chosen to pay with the ‘Account’ (flexible) option: there will be a minimum monthly payment required but you can choose to pay more than the minimum amount if you wish. You’re in control of whether you pay the full amount in one month or over the course of the payment schedule.

If you’ve chosen to pay with the ‘Pay Later in 4’ option - US: your payment will be split into 4 interest free, equal instalments. You’ll be asked to pay the first instalment once your order has been confirmed at checkout. The remaining 3 instalments will be automatically debited from your linked card every two weeks until the final instalment has been paid.

If you’ve chosen to pay with the ‘Pay Later in 3’ option - UK: your payment will be split into 3 interest free, equal monthly instalments. You’ll be asked to pay the first instalment once your order has been confirmed at checkout. The remaining two instalments will be automatically debited from your linked card in the following 2 months.

I'm having trouble paying with Klarna
If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:

• If your purchase is over $1500 then you can't use Klarna to pay for your order. Please choose another payment method. See below for more information regarding maximum order values.
• Klarna may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount.
• Klarna may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to.
• You may have outstanding payments on previous Klarna statements. Once these are paid off, try Pay Later with Klarna again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.
• You may have missed a required field at the checkout, such as filling in your Date of Birth.
• If you haven't used Klarna before and you're shipping to a different address to your billing address, the payment may be declined.

If you have any further questions around why you haven’t been able to pay with Klarna please contact their Customer Care team.

What happens if I've returned some of the items from my order?
If you've returned some of your order but not all items:

• If you have any instalments that are still due, these will be adjusted to reflect what you have returned.
• Any returns will reduce the outstanding balance from the last instalment which may remove an instalment or reduce the instalment balance.

If you have returned your whole order:

• Your invoice will be adjusted, and you'll receive a refund from Klarna within 5-7 working days for all payments you’ve already made.
• Your refund will be issued back to the credit or debit card you used at checkout to pay your first instalment.
• If you haven't paid all of your remaining instalments, then Klarna will cancel any future scheduled payments.

The (Not-So) Small Print
Klarna’s payment options make buying what you love even easier. The Pay in 3 option is an affordable way to spread out the cost of bigger purchases; however, it’s important to consider your finances and repayment plan before clicking the Pay with Klarna button at the checkout. 

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time. Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.

AMARA Living Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, subject to status. Terms and conditions apply. Please note that Pay in 4 installments are not regulated by the FCA.