Who is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.
How does 'Pay in 3' work?
Pay later in 3 interest-free instalments is a form of credit which allows 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 Protyre and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.
What do I need to make a purchase?
If you want to make a purchase with Klarna using Pay in 3 interest-free installments, you'll need to provide the following:
- Your phone number
- Email Address
- Current billing address
- A valid debit/credit card
All communications would be sent to your email address however, your mobile number is required should we need to reach you. It's important that all this information is up to date otherwise you will not receive your payment schedule and any updated order information.
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.
Am I eligible for Pay in 3?
To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
What happens if I cancel my order?
Payment for your Pay later in 3 interest-free instalments 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. You can always monitor your payments’ schedule in the Klarna app.
What happens if I don't pay for my order?
Klarna will automatically attempt to collect payment for your Pay in 3 purchase from the card that you entered at checkout. You can find out when your payments will be taken in the email that you received at the time of purchase or by logging in to Klarna. If the automatic payment fails, we will make another attempt to collect payment two days later. If this also fails, Klarna will issue you a statement for the full outstanding order, which will become payable 15 days later.
Can I change the card used to make payment?
Your second and third payments will be automatically taken from the card that you entered during the checkout process. If you need to change the payment card, simply log in to the Klarna app, go to your Pay in 3 order and select 'Change card', then enter your new card details.