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Pay with Klarna

Who is Klarna?

Klarna is a Swedish payment service provider responsible for managing your payments from start to finish. It powers seamless transactions for over 200,000 online retailers. More than 85 million consumers globally trust Klarna to handle their payments securely.

How does Pay Later in 3 Interest-Free Instalments work?

The Pay Later in 3 interest-free instalments option allows you to divide the cost of your purchase into three equal payments. Each instalment will be automatically charged to the debit or credit card you provided at checkout. The first instalment will be collected once EZ Care Care LTD (trading as Halo Autocare LTD) confirms your order, with the second and third instalments collected 30 and 60 days later, respectively. You can track your payment schedule via the Klarna app.

How does Pay Later in 30 Days work?

Once your order is confirmed, you’ll receive an email within two days containing payment instructions from Klarna. You’ll have 30 days to try your items before making a payment, and you’ll only pay once you’re happy. Payments can be made conveniently online with no additional charges, using either a credit or debit card through the Klarna app or on www.klarna.com/uk.

Am I eligible for Pay Later in 3 Interest-Free Instalments?

To use Pay Later in 3 interest-free instalments, you must be at least 18 years old. Although this option is widely advertised, it is subject to your financial situation. Choosing Pay Later in 3 interest-free instalments won’t affect your credit rating.

Am I eligible for Pay Later in 30 Days?

To use Pay Later in 30 days, you must be at least 18 years old. Like the Pay Later in 3 interest-free instalments option, this is subject to your financial circumstances, but it won’t impact your credit rating.

How can I increase my chances of being accepted for Pay Later in 3 Interest-Free Instalments or Pay Later in 30 Days?

Klarna offers Pay Later in 3 interest-free instalments and Pay Later in 30 days based on various factors, such as order value, previous order history, item availability, and more. To improve your chances of being offered these options, make sure you provide your full name, accurate address details, and ensure your shipping address matches your billing address. Each order is assessed individually, so being approved previously doesn’t guarantee future approval, and vice versa.

What do I need to provide when making a purchase?

To purchase with Klarna using Pay Later in 3 interest-free instalments, you’ll need to provide your mobile number, email address, billing address, and a debit or credit card. The mobile number is needed in case Klarna needs to contact you. You’ll receive all communications, including payment details and updates, via email. Ensuring you enter the correct details is crucial to receiving your payment schedule and order updates.

Will a credit search take place?

Klarna may conduct an unrecorded (soft) credit check, which doesn’t affect your credit score and is only visible to you and Klarna. Neither Klarna nor EZ Care Care LTD (trading as Halo Autocare LTD) will conduct credit checks that impact your credit rating.

Why haven’t I been offered Pay Later in 3 Interest-Free Instalments?

While Pay Later in 3 interest-free instalments is widely promoted, it isn’t always available. This payment option is determined by algorithms that consider factors like address details, cardholder information, order value, previous history with the store, and product availability.

What are my payment options with Klarna?

For Pay Later in 3 interest-free instalments, the first payment is automatically collected when your order is confirmed, and the subsequent payments are collected 30 and 60 days later. You can track your payment schedule in the Klarna app. For Pay Later in 30 Days, you can pay immediately via debit or credit card at checkout or take advantage of the 30-day option, where you pay once the items have been received. You can always monitor your outstanding payments through the Klarna app.

What happens if I cancel or return my order?

Once EZ Care Care LTD (trading as Halo Autocare LTD) confirms your cancellation or return, Klarna will cancel any future payments and refund any amounts due. The return will be updated in the Klarna app immediately.

What happens if I don’t pay for my order?

If Klarna is unable to collect your payment for Pay Later in 3 interest-free instalments on the scheduled date, they will attempt to collect the payment again two days later. If this second attempt fails, Klarna will issue a statement for the full amount, which will be due within 15 days. You will receive a notification in advance of the payment due date, and you can monitor it through the Klarna app. Your credit score won’t be affected by late payments for Pay Later in 3 instalments. For Pay Later in 30 Days, you’ll have 30 days to pay. If your payment is late, Klarna will send you reminders via email, push notifications, or even text and post notifications, but your credit score won’t be impacted.

I’ve been asked to go to the Klarna site. Is this correct?

Yes, you can view all your Klarna purchases and payment schedules via the Klarna app or by logging into Klarna.com/uk.

Is my payment information safe?

Klarna processes all payment information securely, and no card details are shared or stored by EZ Care Care LTD (trading as Halo Autocare LTD). All transactions are conducted over secure, encrypted connections using industry-standard security protocols.

Can I pay before the due date?

Yes, you can pay early by logging into the Klarna app or visiting Klarna.com/uk.

Have you received my payment?

Klarna will notify you by email and through the Klarna app when a payment is successfully collected or if there is an issue. If you haven’t received confirmation after a payment has been made, you can check the status of your order and payments in the Klarna app or on the Klarna website.

What happens to my statement if I’ve returned the goods?

When EZ Care Care LTD (trading as Halo Autocare LTD) processes your return, Klarna will issue an updated statement with a revised payment schedule for partial returns. If you return everything, Klarna will refund any payments made and cancel future payments. You can always check the status of your order in the Klarna app.

I’ve received a statement, but I haven’t received my goods.

If you haven’t received your goods, please contact EZ Care Care LTD (trading as Halo Autocare LTD) to check on your order status. Alternatively, you can contact Klarna’s Customer Service to request a postponement of the payment or hold your order in the Klarna app until the goods arrive.

For Pay Later in 30 Days, you have 30 days to pay, so if your due date is approaching and you haven’t received your items, contact EZ Care Care LTD (trading as Halo Autocare LTD) or Klarna for assistance.

How long until I receive my refund after cancellation?

Refunds will be processed within 10 business days after the store registers your cancellation or return.

How will I be refunded?

Refunds will be issued to the same debit or credit card used during the checkout process.

I haven’t received an email with my statement/payment information.

You can log into the Klarna app or visit Klarna.com/uk to access all your orders and payment schedule information.

I still have questions regarding payment. How can I get in touch?

Visit the Klarna app or Klarna’s Customer Service page for a full list of FAQs, live chat, and phone support options.

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