Klarna Terms & Conditions
By selecting Klarna as your payment method at checkout, you agree to the following terms and conditions:
What You Need to Get Started:
- A UK bank account
- Be 18 years of age or older
- A UK residential address
Who is Klarna?
Klarna is a Swedish payment service provider offering flexible payment options. Klarna processes payments for over 200,000 online retailers, serving over 85 million consumers worldwide.
How Does Pay Later in 3 Interest-Free Instalments Work?
Pay Later in 3 interest-free instalments allows you to split your purchase into three equal payments. The first instalment is due when your order is confirmed by The British Beauty Awards, with the second and third instalments due 30 and 60 days later, respectively. Payments will be automatically collected from the debit or credit card you entered at checkout. You can track your payment schedule in the Klarna app.
Am I Eligible for Pay Later in 3 Interest-Free Instalments?
To use Pay Later in 3 interest-free instalments, you must be at least 18 years old. This option is subject to your financial circumstances. Klarna uses an automated process to assess eligibility for this payment method, which may include factors such as the order value and previous order history. Please note that approval for Pay Later in 3 instalments does not guarantee future approval for all orders.
How Can I Increase My Chances of Being Accepted for Pay Later in 3 Interest-Free Instalments?
Providing accurate details such as your full name, billing address, and shipping address can improve your chances of approval. However, each order is assessed individually. Past approvals do not guarantee acceptance for future orders, and a denial does not affect your ability to use Klarna for future purchases.
What Do I Need to Provide When I Make a Purchase?
When using Klarna, you will need to provide:
- Your mobile phone number
- Your email address
- Your billing address
- A debit or credit card
The mobile number is required in case Klarna needs to contact you. All communications regarding your payment will be sent to your email address.
Will a Credit Search Take Place Against Me?
Klarna may conduct a soft credit check, which will not affect your credit score. This search is used solely for verification purposes and will not be visible to other lenders.
Why Have I Not Been Offered Pay Later in 3 Interest-Free Instalments?
Although widely available, the Pay Later in 3 instalments option is not guaranteed for every order. Klarna’s algorithm assesses factors such as order value, address details, previous purchase history, and other variables. A previous offer does not guarantee future approval.
What Are My Payment Options with Klarna?
Payment for Pay Later in 3 instalments will be collected automatically from the debit or credit card you provided. The first payment is due when your order is confirmed. The second and third payments are due 30 and 60 days later. You can track your payment schedule in the Klarna app.
What Happens if I Cancel or Return My Order?
Upon approval of a cancellation or return by The British Beauty Awards, Klarna will cancel any future scheduled payments and issue a refund for any amounts due. The return status will be updated in the Klarna app immediately.
What Happens if I Do Not Pay for My Order?
If Klarna is unable to collect payment on the due date, they will attempt to collect the payment a second time two days later. If this attempt fails, Klarna will issue a statement for the full outstanding amount, which will be due 15 days later. Your credit score will not be impacted by late payments under the Pay Later in 3 instalments option.
Is My Payment Information Safe?
Klarna securely processes all payment information. The British Beauty Awards does not store or access your card details. All transactions are conducted over secure channels using the latest security protocols.
Can I Pay Before the Due Date?
Yes, you can pay off the balance early via the Klarna app or website.
Have You Received My Payment?
Klarna will notify you via email and app notifications when your payment has been successfully collected. If you have not received a payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging into the Klarna website.
What Happens to My Statement if I Return the Goods?
Once The British Beauty Awards receives the return and confirms it, Klarna will update your payment schedule in the app. If you make a partial return, an updated payment schedule will be issued. For a full return, Klarna will refund any collected payments and cancel any future payments.
What Should I Do if I Have Not Received My Goods?
If you have not received your goods, please contact The British Beauty Awards to check on your order and delivery status. You can also contact Klarna’s customer service to adjust your payment due date or hold the order in the Klarna app until the goods arrive.
I Have Cancelled My Order. How Long Will It Take to Receive My Refund?
Once The British Beauty Awards processes your cancellation, Klarna will issue a refund within 5-7 business days.
How Will I Be Refunded?
Refunds will be processed back to the debit or credit card originally used for the purchase.
I Have Not Received My Statement or Payment Information.
You can access all your payment details by logging into the Klarna app or website.
What if I Have Trouble Placing an Order with Klarna?
If Klarna rejects your application, we suggest choosing another payment method or placing a smaller order. If you have outstanding payments with Klarna or have missed a required field at checkout, please resolve the issue before proceeding. Klarna is an independent company, and The British Beauty Awards has no influence over Klarna’s decision.
Need Help or More Information?
If you have further questions, visit Klarna’s Customer Service page or use the live chat and telephone options available.
Please Spend Responsibly
Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time. For more information, click here.
Important Note:
The British Beauty Awards acts solely as an introducer and not a lender. Klarna Bank AB provides the credit options. Credit is available exclusively to UK residents aged 18 and over, subject to status. Terms and conditions apply. The following Klarna products are not regulated by the FCA: Pay Later and Pay in 3 Instalments.