WHAT IS 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.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive the payment information and so will be liable for delayed payment fees.
Will a credit search take place against me?
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 AYBL run credit searches against you that could impact your credit rating.
Why have I not been offered pay later?
Although Pay later is widely promoted it is not always universally available. The Pay later 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.
What happens if I cancel or return my order?
As soon as AYBL have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.
What happens if I don't pay for my order?
Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.
Can I pay before my due date?
You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.
WAYS TO PAY
With Klarna, you choose exactly how much you want to pay and when. There's a flexible payment option that works with your budget.
PAY NOW
Pay for what you love right away. Your preferred payment method is pre-selected for a fast and secure payment.
PAY IN 3 INSTALLMENTS
Split your purchases into 3 interest-free monthly payments.
The first payment is made at the point of purchase, with the remaining payments scheduled automatically every 30 days.
Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule, but you can make early payments anytime you wish.
PAY IN 30 DAYS
Get it now. Pay later. Shop first and pay up to 30 days after placing your order.
No upfront payments, no interest.
You only have to pay for what you keep.
30 Day Returns Period
All customers have 30 days from the delivery date to return a product.
We reserve the right to refuse returns that are shipped after the 30-day grace period.
WORTH KNOWING ABOUT KLARNA
Missed Payments
If you miss payments, this can affect your ability to use Klarna in the future..
Returning Items Bought Using Klarna
If you return an item that you paid for using Klarna, AYBL are unable to amend your Klarna invoice/payment schedule.
We would recommend contacting Klarna directly to see if they can assist with pausing any payments while your AYBL return is being processed.
Late Fees?
Late payment fees may apply if you fail to pay Klarna on time within your agreed payment schedule.
Klarna may refer any debt you have with them to a debt collection agency to collect on their behalf.
We would recommend speaking with them directly if you have any questions regarding fees.
HOW TO USE KLARNA
