What is Klarna?
Klarna offers a number of payment options, including direct payments, pay after delivery, and installments plans including their flagship Pay In 4 program. They provide a smooth one-click purchase experience for our customers, no matter how they pay.
How do I use Klarna?
Klarna Pay in 30 days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.
Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment in full after purchase at no added cost.
Report returns directly in the app and only pay for the items that you keep.
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
Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
Klarna Pay in 3
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. Select the Klarna option and enter your debit or credit card information.
A new way to pay that's an alternative to a credit card.
3 instalments gives you flexibility to shop without interest.
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.
Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
Pay online or in the app
Review your latest purchases and make payments in the Klarna app or online.
Do you have to Pay off Klarna before you get your items?
No, you do not need to pay for your order until you have received all your purchased items. Use the tracking number provided in your dispatch confirmation email for updates on your order's estimated delivery date.
Does Klarna impact your credit score?
When you use Klarna to split your purchase into 4 interest-free payments, Klarna run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time
How do Klarna credit checks work?
There are two kinds of credit checks—hard and soft. Soft credit checks, the kind we’ll run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.
If you’re interested in one of Klarna's financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.
Where can I find out more about Klarna?
What is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
How do I use Clearpay?
Just shop on our website and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex).
If you've used Clearpay before, just log in to your Clearpay account & complete your order.
Who can use Clearpay?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details. 5. How does the Clearpay payment schedule work? Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase. If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingl You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
What if I can’t pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay here. As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay. Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less. Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any other order
Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be must be no more than £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
Can I use a discount code or another form of payment with Clearpay?
Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
How do I return or exchange an item purchased with Clearpay?
Items purchased with Clearpay follow our standard return process. Please note, refunds for Clearpay purchases will be refunded from Stuarts London to Clearpay. We cannot provide an exchange or cash refund. When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay. You can view the details by logging in to your Clearpay account.
Where can I find out more about Clearpay?