1. Who can use Pay in 3?

You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments. 

Pay in 3 is a credit product. It’s our decision whether or not we start a credit agreement with you.

2. How do I Pay in 3 instalments?

With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay in 3 interest-free instalments’. When you choose this option, just enter your card details to complete your purchase. 

There won’t be any interest, fees or charges for using a debit or credit card by Klarna. Although your bank might charge you interest or other fees on top if you pay using an interest-bearing credit card, for example. 

3. Are there any alternative options for paying off my balance?

Yes, you are able to make payment early through the Klarna App by paying by card immediately or you can request our bank account details from Klarna’s Customer Services team for direct bank transfer. If a payment is made earlier, and the balance cleared we will not continue charging your card.

4. Which cards does Klarna accept?

Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted.