Pay in 3.
No interest.

Pay in 3 lets you split your purchase into 3 payments with no fees, charged every 30 days.

1. 1.

   Simply choose Klarna at checkout on one of our partner brands’ websites.

2. 2.

   The first payment is charged to your card or bank account when your order ships.

3. 3.

   The next 2 payments are charged automatically every 30 days, with no fees or interest when you pay on time.

To use Klarna, you must:

• Live in France

• Be at least 18 years old

• Have a valid bank account

• Have a positive credit history

• Be able to receive verification codes by SMS

Use Klarna Pay in 3 at retailers that offer Klarna at checkout, subject to availability.

Automatic payments are set up on your Klarna account to help you pay on time. We’ll send you a quick reminder 2 days before your payment is due. If the payment fails, you’ll receive a statement that includes late fees.

If you don’t make your payment before the end of the grace period, your account will be considered in default. This means that, in addition to any other action we may take, late fees may apply depending on the total value of your order:

• €3 per instalment for orders under €99.99.

• €5 per instalment for orders between €100 and €199.99.

• €8 per instalment for orders over €200.

When you use our Pay in 3 credit option, we run a credit check to assess your eligibility. This helps us lend responsibly and support our customers in making informed financial choices based on their circumstances.

Good to know:

• Late or missed payments may negatively affect your credit score and prevent you from using our payment methods in the future.

• To learn more about the credit bureaus we use to run credit checks, please read our privacy policy.

• When you apply for pre-qualification, we run a credit check that does not affect your credit score.

There are no fees when you pay on time. Your first payment is collected when your order is shipped and the next two are automatically charged every 30 days.