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1. Pay Later in 3 Instalments.

  • Get what you love now. Pay over time.
  • One part payment at purchase and 2 further payments at 30 and 60 days
  • Automatically collected monthly from your chosen debit or credit card
  • No interest or fees – ever
  • No credit application required
  • Simple and safe

Shop with just a few clicks!

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Select ‘Pay later in 3’ at checkoutEnter your address, email, mobile and card detailsThe first part payment will be taken from your card when the goods ship.Receive your goods and enjoy!The two remaining payments will be taken at 30 and 60 days. You will receive notifications when payment is due and when it is collected.

Product FAQs

Shopping with KlarnaPeace of mind with Klarna’s buyer protection
You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk. If you need further assistance you can contact our customer care team for free, or use our online chat service.You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.
More about Klarna’s Buyer Protection

FAQs: Pay later (in 3 instalments)

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 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Room to Grow and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

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

Klarna is unique and offers Pay later 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 in 3 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 been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

If you want to make a purchase with Klarna using Pay later in 3, you’ll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order 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 Room to Grow run credit searches against you that could impact your credit rating.

Although Pay later in 3 is widely promoted it is not always universally available. The Pay later in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

Payment for your Pay later in 3 will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment.

As soon as Room to Grow have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at Room to Grow from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.

You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.

Payment information is processed securely by Klarna. No card details are transferred to or held by Room to Grow. All transactions take place via connections secured with the latest industry standard security protocols.

No, this is not currently possible for Pay later in 3 purchases.

Klarna will notify you via email and push notification when a payment is due and when this has successfully be collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com/uk.

Once Room to Grow has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

In the event that your goods have not been received please call Room to Grow to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.

As soon as Room to Grow has registered your cancellation or your return, the refund will be processed within 5-7 business days.

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.

2. Slice it – slice up your payment

Have the choice of when and how much to pay. Klarna gives you the flexibility of spreading your payments over time. Just select Slice it at the checkout. Credit offered subject to financial circumstances. Must be 18. Representative APR 18.9% (variable).

Pay over time.

  • Spread the cost of your purchase into equal monthly payments.
  • No complex forms during the Klarna Account application - only 4 steps!
  • Credit decision made in real-time.
  • Once approved, you will start a Klarna Account and make payments monthly.
  • You can also use this Account to finance future purchases up to your credit limit.
  • No passwords to remember. You will be emailed monthly statements.
  • You can choose at any time to start paying the minimum monthly payment instead with interest.
  • You’re in control. Better management of your finances to spend how and when you want.

Don’t forget to pay. If you miss monthly payments, promotional interest rates are cancelled and you will be required to pay interest on repayments. Representative 18.9% APR (variable)

Representative Example

Representative (Variable)Purchase Interest RateAssumed Credit Limit
18.9% APR18.9% p.a.£ 1,200

Credit is offered subject to financial circumstances. You must be at least 18.

The Klarna Account. How it works.

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Add items to your basket and go to the checkout.Select ‘Slice it with Klarna’ and choose your promotional plan to start the online application process.Provide information about your financial circumstances and carefully read the pre-contract and information documents.Read the Klarna Account Agreement and click “sign” to confirm that you want to apply. The credit decision will be made instantly.If you are approved, Klarna sends you a confirmation by email and sends the Klarna Account agreement by post. Confirmation and monthly statements with payment instructions are sent by email.It’s easy to use again - once you’ve been approved you can order in the future with just one click.

Manage your Klarna Account

You can review your latest buys and settle your monthly statement at any time by accessing your Klarna account at www.klarna.com. If you need further assistance you can contact our customer care team for free, or use our online chat service.

www.klarna.com/uk/customer-service

Local number: 0203 0050 833
Freephone number: 0808 1893 333

Please find links below to Klarna's website where you can find more information on Slice it.

Click here for information regarding Slice it
Click here for frequently asked questions or Klarna's Customer Service

FAQs: Slice it

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 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

Spread the cost of your purchase into equal monthly payments with 0% interest for 6 months and 17.9% interest for 12 – 36 months. Slice it is a promotional plan on the Klarna Account.

When you shop online, Klarna’s system reviews each order to determine which payments options are available to you. If Slice it is offered, simply select this option. The first time you shop with Slice it you will be asked in to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Slice it after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans.

If you have chosen to pay with Slice it by Klarna, Klarna will send you an email with further details on how to pay.

You can at any time chose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you chose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable). It’s up to you.

Slice it is only available to people aged 18 or over and is an online exclusive payment method.

Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.

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

If you chose to use Slice it, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance.

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be send to your email address. It’s very important, that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

First, log in at www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service here.

Please contact Klarna’s Customer Service via live chat or phone. They will be able to provide you with details on how to pay.

As soon as Room to Grow has registered your cancellation or your return, the refund will be processed within 5 business days.

As soon as Room to Grow have accepted your cancellation/return, then Klarna will make any necessary adjustments your balance and provide further help if needed.

If you have paid for your order with card, the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.

You should of course not pay your statement until you’ve received your goods. In this case, we would ask that you contact Room to Grow and get an update on your order. You should also contact our Customer Service so that we can postpone the due date on your payment.

Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna’s website where you can find more information on Klarna.

www.klarna.com/uk/customer-service

Click here for information regarding Klarna’s products..
Click here for frequently asked questions or Klarna’s Customer Service

Local number: 0203 0050 833
Freephone number: 0808 1893 333

About Klarna

Klarna is one of Europe’s fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’ adding value for both the consumer and merchant with our unique payment options and customer experience.

Klarna was founded in 2005. In 2014 we joined forces with SOFORT and formed Klarna Group and in 2017 acquired BillPay. Today we have 2000 employees in 14 markets and lead the way for European alternative payments serving 60 million consumers and 100,000 merchants.

www.klarna.com

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