Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Klarna's Pay in 3 Instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time usin the Klarna app.

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay later in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.

Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

Yes, you can. If you see Klarna Pay later in 30 days when you go to an online checkout then Pay later in 30 days is available to you. Every time you use Pay later in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

Klarna offers Pay later in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay later in 30 days is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

When you use Pay later in 30 days or Pay in 3 Instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

You can pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app. If you use Pay in 3 Instalments, Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the irst payment when you make your purchase, the second payment after 30 days and the inal payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

If you choose to pay for your order using Pay later in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.

Yes. Just go to the Klarna app or log ontowww.klarna.com/uk.

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

Klarna will notify you by email and push notiication when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

Pay later in 30 days is a credit product and you are required to make your payment to Klarna. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it dificult or more expensive to use Klarna or other lenders' credit products in the future. As of the 16th March, 2023, Klarna are introducing a late fee to the Pay in 3 and Pay in 30 days payment options. Customers will only be charged late fees if they have failed to pay after they have received multiple friendly reminders to encourage repayment, and after the set grace period has passed. Full details can be found in the Klarna terms and conditionshere.

As pay later is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a inal attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may ind it dificult or more expensive to use Klarna or other lenders' credit products in the future. As of the 16th March, 2023, Klarna are introducing a late fee to the Pay in 3 and Pay in 30 days payment options. Customers will only be charged late fees if they have failed to pay after they have received multiple friendly reminders to encourage repayment, and after the set grace period has passed.

If you have not received your goods please call TacTree to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they 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.

As soon as TacTree has conirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.

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

Once TacTree has received the return and Klarna have received our conirmation, Klarna 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.

Once TacTree has received the partial return and Klarna have received our conirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

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

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