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What happens if I can’t pay on time?

  • If we are unable to collect the Pay in 3 payment on the scheduled date, we will try again. If the payment fails, the amount due for the missed payment will be added to the next scheduled payment. Missed payments incur late fees and are sent to debt collection.
  • You’ll receive a payment reminder if you miss the due date of your Pay in 30 days purchase. Be sure to pay on time to avoid late fees and debt collection.
  • If your automated Financing payment fails you can make a manual payment in the app. Any missed payment will be automatically added to the next month’s installment.

Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.

If you continue to miss your payments your outstanding debt, together with incurred fees, may be sent to debt collection for recovery. Contact us if you are experiencing financial difficulties – we are here to help.

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Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.