Klarna Financial Services UK Limited (“Klarna”) is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna provides both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, England, SE1 7ND.

For further information about Klarna, go to: https://www.klarna.com/uk/

Shop now. Pay later with Klarna.

Pay in 3 interest-free instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

• A new way to pay that's an alternative to a credit card.
• 3 instalments gives you flexibility to shop without interest or hidden fees.
• Not making your payment on time could affect your ability to use Klarna in the future.
• Debt collection agencies are used as a last resort

You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions

About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

• Download the Klarna app: www.klarna.com/app
• Log in online: app.klarna.com/login.
• Chat with customer service: www.klarna.com/uk/customer-service/

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Frequently asked questions

Visit our FAQ klarna.com/uk/customer-service page to find out more about using Klarna

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

• More than 90 million shoppers are using Klarna.
• 200,000 retailers are working with us worldwide.
• We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Contact Klarna

You can review your latest buys and settle your monthly statement at any time by accessing your Klarna account at www.klarna.com/uk. If you need further assistance you can contact our customer care team for free, or use our online chat service.

Local number: 0203 0050 833

Freephone number: 0808 1893 333

 

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

 

How do I make my monthly payments?

Your lender will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

I want to amend my order.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

I haven't received my goods or service.

Please contact us at admin@abakusdirect.co.uk and we will help you.

I want to change my Direct Debit details.

Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.

 

Cancellations and Returns

I want to return my goods and cancel my finance agreement.

Please see our Cancellation Policy. Some products cannot be cancelled, for example, made-to-order or bespoke goods, so you should check this before you complete your purchase.

Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement.

To cancel your finance agreement, please contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise your lender to cancel your finance agreement and refund any payments that have been made. If you made your purchase in-store, we will refund any deposit payment that you made. Your finance agreement can only be cancelled by your lender if your purchase is cancelled with us.

What happens to my loan if I want to return my order?

If you are not satisfied with your purchase you can return it up to 30 days after delivery. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days after we received your return in cases where a full refund is processed.

Can I withdraw from the credit agreement and pay by a different method?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which the lender will tell you that they have signed the agreement). If you wish to withdraw you must give your lender notice in writing or by telephone or email. The name and contact details of your lender will be clearly shown on your credit agreement.

Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.

Your Personal or Financial Circumstances

It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, Klarna and your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact Deko’s customer support team at https://https://www.klarna.com/uk/customer-service/ or  0808 1893 333. They are open Monday to Friday from 8am to 8pm

If you find yourself struggling due to a change in your circumstances, please contact your lender and ask for their help.

Use of Your Personal Data

Klarna stores your card details on their systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future. 

You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.

We use your personal data to identify you and to carry out customer analysis, credit assessments, credit reporting to credit reference agencies, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.

Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice. 

How do I make a complaint?

You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible. You cannot make a complaint to the Financial Ombudsman Service about Pay in 3.

If you’re not happy with our response, you can contact Klarna’s Complaints Adjudicator. Use the form provided alongside your final response. 

You can find our full complaints information here. 

Legal Information (FCA Disclaimer)

Abakus Direct Furniture Ltd is a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority (FRN 815241 ). We do not charge you for credit broking services. We will introduce you to Finance available from a number of our partner lenders.

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

https://www.klarna.com/uk/terms-and-conditions/