Klarna - Frequently Asked Questions

INTRODUCTION

Through Klarna, we Anglers Corner offer either Pay in 3 interest-free instalments or Finance payment options.

What is Pay in 3 interest-free instalments?

Klarna Pay in 3 interest-free instalments allows you to buy and spread the cost over 3 convenient instalments at 0% APR. The first payment is taken at the time of purchase, the second and third payments will be taken on day 30 and day 60 from the moment of purchase. Please note 0% APR is subject to not missing payments, please ensure to read the full FAQ below.

Pay in 3 interest-free instalments FAQ

What is Finance?

Klarna Finance allows you to spread the cost over longer repayment terms. In co-operation with Klarna we are able to offer 0% APR over either of the 6 and 12 months repayment plans. Longer repayment terms are also available, over 24 and 36 months, however these are subject to 18.90% APR. Please note 0% APR is subject to not missing payments, please ensure to read the full FAQ below.

Finance FAQ


Issues using Klarna?

If you are having issues checking out with Klarna.

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Pay later in 3 interest-free installments FAQ

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 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments 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 Anglers Corner and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ 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 and a UK resident. 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.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments 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 interest-free instalments 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.

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, 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.

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 Anglers Corner run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments 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.

What are my payment options with Klarna?

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 cancel or return my order?

As soon as Anglers Corner have accepted your cancellation or acknowledged that the returned goods are in reasonable condition, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will then be reflected in the Klarna app immediately.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Anglers Corner 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 and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?

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

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been 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 in the Klarna app or by logging in at www.klarna.com/uk.

What happens to my statement, when I've returned the goods?

Once Anglers Corner 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. You are always able to monitor the status of your order in the Klarna app.

I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Anglers Corner 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 or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have cancelled my order. How long will it take until I receive my refund?

As soon as Anglers Corner has registered your cancellation or accepted that the returned goods are in reasonable condition, we will credit the balance back to your Klarna Account within the next 5-7 business days.

I have asked for a refund. How will I be refunded?

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

I haven’t received an email with my statement/payment information.

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

I still have questions regarding payment, how can I get in touch?

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




Klarna Finance FAQ

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 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Financing work?

Spread the cost of your purchase into equal monthly payments, with 0% interest available for either the 6 month or 12 month repayment plans. Klarna also offer repayment terms for both 24 months and 36 months, please note however that both of these options are subject to 18.90% APR. Financing is a promotional plan on the Klarna Account.

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this option. The first time you shop with Financing you will be asked 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 Financing 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. You can always monitor the payments due in the Klarna app.

I have been asked to go to the Klarna site. Is this correct?

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

Can I pay less than the amount owed each month?

You can at any time choose 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 choose 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).

Am I eligible for Klarna Financing?

Financing is only available to people aged 18 or over and who are UK residents. Klarna Finance is also an online exclusive payment method, it is unavailable in-store.

How do I manage my Klarna Account?

Log in to the Klarna App or Klarna.com/uk 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.

How can I increase my chances of being accepted for Financing?

Klarna is unique and offers Pay later 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 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.

How is my statement sent?

If you chose to use Financing, 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. You can always monitor the active statements in Klarna app at your convenience.

What do I need to provide when I make a purchase?

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 sent 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.

Is my payment information safe?

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.

How do I make a payment?

First, log in the Klarna app or in 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.

I haven't received an email with my statement.

Please log in the Klarna app to view the statements or contact Klarna’s Customer Service via live chat or phone.

I have cancelled my order. How long will it take until I receive my refund?

As soon as Anglers Corner has registered your cancellation or accepted that the returned goods are in reasonable condition, we will credit the balance back to your Klarna Account within the next 5-7 business days.

What happens if I cancel or return my order?

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

I have asked for a refund. How will I be refunded?

If you have paid for your order with a 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 Klarna Customer Service.

I've received my monthly statement and a payment is due, but I've not yet received my goods.

You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store 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. or put the order on hold in the Klarna app while you wait for the goods to arrive.

I still have questions regarding payment.

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




Issues using Klarna?

Why am I not being offered Klarna as a payment option when checking out?

Firstly, to be offered our Klarna payment option you MUST be going through the full checkout experience, you will need to ignore the 'Quick Payment' options for Amazon and Paypal and proceed through our standard full checkout.

If you proceed through our full check checkout and are still not seeing Klarna presented as a payment option then there are a number of reasons why this could be.

The Klarna payment option is only offered if Klarna themselves are satisfied with the information entered by the customer. Based on the information entered, Klarna will not be an option and is part of the pre assessment to offer Klarna for that purchase.

If the option is not presented then it would likely be because Klarna are not happy with information entered by the customer.

Unfortunately, Klarna's Pay Later and Pay Later in 3 services are not universally available and are always subject to an individual assessment.

There are a number of reasons why a customer may have been denied, including;

  • The customer billing address is not registered on the UK electoral role (this might be the case if a customer has moved to a new address within the past 12 months).
  • The card being used does not match the billing address exactly (the billing address should also match the shipping address exactly).
  • Unsatisfactory assessment / purchase amount too high (Klarna has decided to not lend credit to this customer based on their lending policy)
  • Previous Klarna history (if a customer has previously used Klarna and had any flags raised)

Note that multiple attempts within a short timeframe will likely be denied, therefore please be advised to try again after 48hrs. If you continue to experience a denied purchase, customers should contact Klarna customer support team on (+44) 080 818 93333) or via the live chat by logging into their Klarna app for further assistance.

Unfortunately Anglers Corner have no part in Klarna's decision making on who will and won't be offered their payment service.

Please ensure that all billing, card and shipping information matches exactly, as per Klarna's requirements. If you still continue to have issues then unfortunately you would need to contact Klarna themselves as described above.



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