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Klarna Pay Later

Pay later

Simple & safe shopping

No account sign up required

No interest or fees + no credit agreement

Receive your goods before paying for them

Get 14 days to try on your latest buys

Klarna will email payment instructions to you

Just select Pay Later at the checkout

*Subject to financial circumstances, must be over 18.
Klarna Slice It

Slice it

Slice up your payment over 3 or 6 months

Instalment amounts explained at checkout

Flexibility to spread the cost

Credit decision made in real-time

Receive your goods before paying for them

Klarna will email payment instructions to you

Just select Slice It at the checkout

*Minimum spend £60 to qualify. Subject to financial circumstances, must be over 18.

Am I eligible?

To use Pay later and Slice it you must be at least 18.

To use Slice it your order must be over £60

You must have a UK postal address if shopping the .co.uk site

Whilst these options are widely promoted, they are subject to individual financial circumstances.

Who 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.

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.

Once​ ​your​ ​order's​ ​confirmed,​ ​you'll​ ​receive​ ​an​ ​email​ ​with​ ​payment​ ​instructions​ ​within two​ ​days​ ​from​ ​Klarna.​ ​You'll​ ​then​ ​have​ ​​14​​ ​days​ ​to​ ​try​ ​on​ ​your​ ​order​ ​and​ ​only​ ​pay when​ ​you’re​ ​happy.​ ​Complete​ ​the​ ​payment​ ​online,​ ​at​ ​your​ ​convenience,​ ​with​ ​no​ ​extra cost.​ ​You​ ​can​ ​pay​ ​via​ ​credit​ ​or​ ​debit​ ​card​ ​at​ ​ www.klarna.com/uk.

To​ ​use​ ​Pay​ ​later​ ​you​ ​must​ ​be​ ​at​ ​least​ ​18.​ ​Whilst​ ​this​ ​option​ ​is​ ​widely​ ​promoted,​ ​Pay later​ ​is​ ​subject​ ​to​ ​your​ ​financial​ ​circumstances.​ ​When​ ​choosing​ ​Pay​ ​later,​ ​our assessment​ ​will​ ​not​ ​affect​ ​your​ ​credit​ ​rating.

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.

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.

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​ ​​Yours Clothing ​run​ ​credit​ ​searches​ ​against​ ​you​ ​that​ ​could impact​ ​your​ ​credit​ ​rating

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.

You​ ​can​ ​pay​ ​with​ ​debit​ ​or​ ​credit​ ​card​ ​immediately​ ​in​ ​the​ ​checkout​ ​or​ ​take​ ​advantage​ ​of our​ ​Pay​ ​later​ ​payment​ ​option,​ ​where​ ​you​ ​can​ ​pay​ ​for​ ​the​ ​goods​ ​once​ ​you​ ​have​ ​received them​ ​via​ ​credit​ ​card​ ​or​ ​debit​ ​card

As​ ​soon​ ​as​ ​​we​​ ​have​ ​accepted​ ​your​ ​cancellation/return,​ ​then​ ​Klarna​ ​will cancel​ ​the​ ​statement​ ​or​ ​refund​ ​your​ ​payment

Payment​ ​is​ ​due​ ​​14 ​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.

If​ ​you​ ​have​ ​chosen​ ​to​ ​Pay​ ​later,​ ​Klarna​ ​will​ ​send​ ​you​ ​an​ ​email​ ​with​ ​further​ ​details​ ​on how​ ​to​ ​pay.​ ​Your​ ​email​ ​will​ ​contain​ ​a​ ​link​ ​to​ ​Klarna​ ​where​ ​you​ ​can​ ​settle​ ​your​ ​payment with​ ​your​ ​credit​ ​or​ ​debit​ ​card.

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

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

If​ ​you​ ​pay​ ​by​ ​card,​ we​​ ​will​ ​confirm​ ​your​ ​order​ ​right​ ​away.​ ​If​ ​paying​ ​by​ ​Pay later,​ ​Klarna​ ​will​ ​send​ ​you​ ​a​ ​payment​ ​confirmation​ ​to​ ​the​ ​email​ ​address​ ​that​ ​you​ ​have used​ ​for​ ​your​ ​order.​ ​If​ ​you​ ​have​ ​made​ ​a​ ​payment​ ​but​ ​not​ ​received​ ​the​ ​payment confirmation,​ ​you​ ​can​ ​always​ ​check​ ​the​ ​status​ ​of​ ​your​ ​order​ ​and​ ​payments​ ​by​ ​logging​ ​in at​ ​​www.klarna.com​.

Once​ Yours Clothing​​ ​has​ ​received​ ​the​ ​return​ ​(partial​ ​or​ ​full)​ ​and​ ​you​ ​have​ ​received​ ​their confirmation​ ​of​ ​this,​ ​an​ ​updated​ ​statement​ ​will​ ​be​ ​sent​ ​to​ ​you​ ​by​ ​Klarna​ ​if​ ​you've​ ​made​ ​a partial​ ​return.​ ​With​ ​a​ ​full​ ​return,​ ​your​ ​statement​ ​will​ ​be​ ​closed.

You​ ​have​ ​14 ​days​ ​to​ ​pay,​ ​so​ ​you​ ​don’t​ ​need​ ​to​ ​pay​ ​right​ ​away.​ ​If​ ​your​ ​due​ ​date​ ​is near​ ​and​ ​there​ ​is​ ​no​ ​sign​ ​of​ ​your​ ​goods,​ ​please​ ​call​ ​​[MERCHANT]​​ ​to​ ​check​ ​on​ ​delivery. You​ ​can​ ​also​ ​contact​ ​Klarna’s​ ​​Customer​ ​Service​​ ​so​ ​that​ ​we​ ​can​ ​postpone​ ​the​ ​due​ ​date on​ ​your​ ​payment.

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

If​ ​you​ ​have​ ​paid​ ​for​ ​your​ ​order​ ​with​ ​card,​ ​the​ ​refund​ ​will​ ​be​ ​made​ ​back​ ​to​ ​the​ ​same​ ​card. If​ ​you​ ​have​ ​not​ ​paid​ ​the​ ​statement​ ​yet,​ ​then​ ​the​ ​refund​ ​will​ ​reduce​ ​the​ ​statement​ ​or cancel​ ​it​ ​completely.

If​ ​you​ ​do​ ​not​ ​have​ ​your​ ​statement​ ​number​ ​to​ ​hand​ ​you​ ​can​ ​log​ ​in​ ​at​ ​​www.klarna.com/uk​, where​ ​you​ ​will​ ​find​ ​all​ ​of​ ​your​ ​orders​ ​and​ ​be​ ​able​ ​to​ ​make​ ​payments.​ ​Alternatively,​ ​you can​ ​contact​ ​​Customer​ ​Service​​ ​and​ ​they​ ​will​ ​be​ ​able​ ​to​ ​provide​ ​you​ ​with​ ​the​ ​payment details.

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

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.

Spread​ ​the​ ​cost​ ​of​ ​your​ ​purchase​ ​into​ ​equal​ ​monthly​ ​payments​ ​with {INTERESTRATE}%​​ ​interest.​ ​​ ​Slice​ ​it​ ​is​ ​a​ ​promotional​ ​plan​ ​on​ ​the​ ​Klarna​ ​Account.

When​ ​you​ ​shop​ ​online,​ ​Klarna’s​ ​system​ ​reviews​ ​each​ ​order​ ​to​ ​determine​ ​which payments​ ​options​ ​are​ ​available​ ​to​ ​you.​ ​If​ ​Slice​ ​it​ ​is​ ​offered,​ ​simply​ ​select​ ​this​ ​option.​ ​The first​ ​time​ ​you​ ​shop​ ​with​ ​Slice​ ​it​ ​you​ ​will​ ​be​ ​asked​ ​in​ ​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​ ​Slice​ ​it​ ​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.

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

You​ ​can​ ​at​ ​any​ ​time​ ​chose​ ​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​ ​chose​ ​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).​ ​It’s up​ ​to​ ​you.

Slice​ ​it​ ​is​ ​only​ ​available​ ​to​ ​people​ ​aged​ ​18​ ​or​ ​over​ ​and​ ​is​ ​an​ ​online​ ​exclusive​ ​payment method.

Log​ ​in​ ​to​ ​the​ ​customer​ ​portal​ ​at​ ​Klarna.com​ ​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.

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.

If​ ​you​ ​chose​ ​to​ ​use​ ​Slice​ ​it,​ ​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.

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​ ​send​ ​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.

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.

First,​ ​log​ ​in​ ​at​ ​​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​ ​​here​

Please​ ​contact​ ​Klarna’s​ ​​Customer​ ​Service​​ ​via​ ​live​ ​chat​ ​or​ ​phone.​ ​They​ ​will​ ​be​ ​able​ ​to provide​ ​you​ ​with​ ​details​ ​on​ ​how​ ​to​ ​pay.

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

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

As​ ​soon​ ​as​ ​the​ ​store​ ​have​ ​registered​ ​your​ ​cancellation​ ​or​ ​your​ ​return,​ ​we​ ​will​ ​credit​ ​the balance​ ​back​ ​to​ ​your​ ​Klarna​ ​Account​ ​within​ ​next​ ​5​ ​business​ ​days.

If​ ​you​ ​have​ ​paid​ ​for​ ​your​ ​order​ ​with​ ​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​ ​Customer Services​​.

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.

Visit​ ​Klarna’s​ ​Customer Services​​​​ ​for​ ​a​ ​full​ ​list​ ​of​ ​FAQ’s,​ ​live​ ​chat​ ​and​ ​telephone​ ​options.

SLICE IT REPRESENTATIVE EXAMPLE

18.9% APR18.9% p.a. £1,200

Purchase Interest Rate Assumed credit Limit

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