Am I eligible for Klarna?
To qualify for Klarna products, you will need to;
Be at least 18 years old
Have a UK payment credit or debit card
Have a UK residential address
Does Klarna make a credit check against me?
No, Pay Later and Pay Later in 3 do not require any credit checks. Klarna performs a 'soft search' to establish affordability, however, this is not visible on your credit file.
How does pay later work?
Once you've chosen the 'pay later' option at checkout and the order is confirmed, you'll receive an email from Klarna within two days outlining the payment instructions. From the email, you receive 30 days to try your order and only pay when you're happy with the products.
What happens if I don't pay within 30 days?
To help you pay on time, Klarna will alert you two days before payment is due and, if very late, they’ll also send you a text or letter too. If you fail to pay Klarna for your order, your credit score will be affected.
Do I make payment after 30 days?
You can pay for the order at any point after receiving the email, as long as it's within the 30-day window.
How does pay later in 3 work?
Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Giant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.
Can I make payments before the due dates?
No, this is not currently possible for Pay later in 3 purchases.
I've changed my card details, what happens to my payments?
Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase from the debit or credit card used at checkout. If they’re unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this last payment attempt fails, Klarna will issue you a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.
If you need to amend your payment details, this can be managed within your Klarna account.