What is Klarna Pay Later? |
Klarna is a payment method which allows you to buy now and pay later, if you want to try before you buy, you can use the ‘Pay later with Klarna’ option.
Download the Klarna app to monitor your payment's schedule (you do not need the Klarna APP to make a purchase).
Buy now, pay in 30 days - A Klarna payment option, which allows you to choose item(s) in store, take them home and make payment for those item(s) within 30 days.
Buy now, pay in 3 instalments - A Klarna payment option, which allows you to to choose item(s) in store, take them home and make payments in 3 instalments.
The first instalment is taken at the time of purchase from your registered card, directly from Klarna. (Or if you are placing an order ins tore, at the time of dispatch). Klarna will automatically charge subsequent instalments on the 30th and 60th days. (Min spend £30).
More info here.
How will I know if I am eligible to use Klarna?
You must be aged 18 or over to make a purchase using Klarna.
When choosing the Buy now, pay in 3 instalments option eligibility is determined through an affordability assessment and ‘soft credit check’. This is in your best interests, so they can check you are able to meet your repayment obligations. Other lenders will be able to take account of consumers’ use of Klarna Pay in 30 days and Pay in 3 when evaluating whether to lend to someone. More info here.
How do I pay by Klarna in store?
To pay using Klarna, simply take your items to the till point and ask the member of Store Staff to pay by ‘Klarna’. (You can also use Klarna for orders placed in store).
The member of staff will ask for your mobile number or email address (you'll need to be able to access this straight away).
You'll receive a message/email from Klarna, with a link to confirm the purchase and choose your payment option. (This link is valid for 48 hours.)
Simply select the best option for you when you purchase. (Please note: You may not see both options, this is dependent on your acceptance criteria with Klarna and a minimum £30 spend for Pay in 3.)
On acceptance, you will receive a QR code, which the staff member will scan to complete the purchase in the till.
They will ask for your surname and ID to make sure it matches the agreement and that's it! (If you're new to Klarna you may also need to provide your date of birth.)
You'll be handed a receipt from the staff member and receive confirmation from Klarna directly.
What if there's no signal in store to receive my QR code?
No need to panic....The member of staff can suspend the transaction on the till for you to go to an area where you can get a signal before returning with your code. We will try our best to make sure you don't have to queue again to complete your purchase.
Can I pay by part cash/card/gift card, part Klarna?
Yes you can. Make sure you tell the member of Staff this, and present your alternative payment first. They can apply this to the purchase and then any remaining balance can be paid by Klarna.
How do I pay my Klarna balance for my order?
If you've selected the 'Buy now pay in 30 days' option, Klarna will remind you to make payment to them toward the end of the 30 days.
If you've selected the 'Buy now pay in 3 instalments' option, the first instalment is taken from your registered card when you make your purchase. Klarna will automatically charge subsequent instalments on the 30th and 60th days.
You can read more on how to make a payment to Klarna here.
How do I return a Klarna in store purchase?
Purchases paid for by Klarna in store can only be returned and refunded via any New Look Store. You cannot return a Klarna in-store purchase to our warehouse.
Any returns will be credited to your Klarna account, and any remaining payments/balance adjusted. You'll receive a refund receipt from the store, and will be updated by Klarna directly of the refund too.
If you have already paid your Klarna balance prior to return, don't worry, the credit will still go via Klarna, back to your linked payment card.
If you want to register the returned items on your Klarna app, please make sure you do this before posting back to us.
Can I return a Klarna order to a New Look store?
Yes you can. This process has changed recently, find more information here.
Once you’ve returned your items to us, there is no need to register the return on your Klarna app.
Find your returns options here.
I have returned my order but haven’t received my Klarna refund?
Please allow up to 5 working days for your refund, from the date you took your items into store.
You'll receive an updated invoice from Klarna when they have processed your refund.
Please keep hold of your refund receipt until your refund has been received.
Your refund will be paid directly to Klarna. (If you have not received returns notification within 5 working days, please contact us on one of the options at the bottom of this screen.)
Remember, if you’ve already returned your items to us, there is no need to register them as returned on your Klarna app!
How do I contact Klarna?
You can contact Klarna directly here.
If they request a reference from you in relation to your order, you can provide them with your New Look reference number from your receipt/email. (Klarna call this the 'Merchant Reference').
Is there a credit limit?
Klarna's credit limit is dynamic and individual for each customer. There are hundreds of different aspects that are being taken into consideration when a credit decision is being made, including the payment option you choose. Please contact Klarna directly if you would like more information regarding your individual credit.
Can I pay by Klarna outside of the UK?
Unfortunately, Klarna is only available in mainland UK, and cannot be offered in the Channel Islands, Isle of Man or the ROI.
Why has my Klarna payment declined?
There are many reasons why a Klarna payment may be declined. This information is not held by us, so please contact Klarna directly here.
Now for the legal bit.....
Please spend responsibly.
Klarna is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Payments will be made directly to Klarna and must be repaid in line with the relevant product terms.
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply
Check out klarna.com to find out more.