WHAT IS PAY IN 3 WITH 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 70,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

If your order is eligible for ‘Pay in 3 instalments’, you can select the option in the checkout and enter your debit or credit card information. When you attempt to place an order using our Pay in 3 payment method an authorisation hold is placed on the card you have connected in the Klarna App, to reserve the funds for the first instalment. As soon as your order is dispatched, you will receive an email from Klarna outlining your payment schedule and the first payment will be taken from the reserved amount on your credit/debit card.

These payments will be automatically withdrawn from the debit/credit card you have on file with us every 30 days until the full order amount has been paid. You’ll also have the option to pay off a single instalment or even the entire balance earlier if preferred at www.klarna.com/ or via the Klarna app.

To use Pay in 3 you must be at least 18. Whilst this option is widely promoted, Pay in 3 is subject to your financial circumstances. When choosing Pay in 3, our assessment will not affect your credit rating.

Klarna is unique and offers Pay in 3 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 in 3 before does not mean it will be offered for every order and in turn, if it is denied does not mean it will be denied for all future orders.

Although Pay in 3 is widely promoted it is not always universally available. The Pay in 3 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.

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.

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 Dr. Martens run credit searches against you that could impact your credit rating.

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay in 3 option, which allows you to split purchases into 3 interest-free monthly payments.