Pay in 3.
No interest.
Buy now and pay later with Klarna Pay in 3. Split your order into 3 interest-free instalments¹ for a simple, flexible way to manage your spending.
¹ Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Why Pay in 3?
Split the cost: Split your purchase into 3 interest-free instalments.
No extra fees: No fees will be charged when you pay on time.
Automatic payments: Payments are collected automatically every 30 days.
How Pay in 3 works
Choose Klarna at checkout
Pay your first instalment upfront
No fees when you pay on time
Pay your way at your favourite brands
Discover more ways to pay
Pay in full today
Pay in 30 days
Financing
³ Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example based on a loan amount of £1200 repayable over 12 months at an interest rate of 21.9% p.a. (Fixed). 11 monthly payments of £111.15 and last payment of £111.05. Total amount payable of £1,333.70. Total charge for credit £133.70. Minimum and maximum purchase amount £250 - £10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs and late fees apply.
Don't see Klarna Pay in 3 at checkout?
Don't see Klarna Pay in 3 at checkout?
⁴ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
⁵ Klarna on Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad. Software requirements apply. Loans not offered by Apple. Paid membership required to access Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Frequently asked questions
Questions on how to use Pay in 3? Find your answers here. For any further help or troubleshooting, please contact customer service.
Pay in 3 allows you to split your purchase into 3 interest-free instalments, paid every 30 days.
- 1.
Just choose Klarna at checkout at partner stores.
- 2.
The first instalment will be taken from your credit card, debit card or bank account when your order is shipped.
- 3.
The remaining 2 instalments will be automatically charged every 30 days afterwards, with no interest or fees if you pay on time.
To be eligible to use Klarna you must:
Be a UK resident
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. We won't charge you a late fee if you have less than £1 left to pay.
You can use Klarna's Pay in 3 instalment options where available at stores that offer Klarna at checkout.
No. We will perform a soft credit check when you use Pay in 3. Soft credit checks do not affect your credit score and will not be visible to other lenders. Read more here.
Yes, Pay in 3 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 30 days.