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Klarna Frequently Asked Questions

Klarna Pay Later In 3 Installments

Pay later in 3 interest-free installments Frequently Asked Questions

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores.

Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.


How does Pay later in 3 interest-free installments work?

Pay later in 3 interest-free installments is a form of credit that allows you to spread the cost of your purchase over 3 equal payments.

The payment for each installment will automatically be collected from the debit or credit card you entered at checkout.

Your first installment will be collected when your order is confirmed by Part-Box and installments 2 and 3 are scheduled 30 and 60 days later, respectively.

You can always monitor your payments schedule in the Klarna app.


Am I eligible to Pay later in 3 interest-free installments?

To use Pay later in 3 interest-free installments you must be at least 18. Whilst this option is widely promoted, Paying later in 3 interest-free installments is subject to

your financial circumstances. When choosing Pay later in 3 interest-free installments, our assessment will not affect your credit rating.


How can I increase my chances of being accepted for Pay later in 3 interest-free installments?

Klarna is unique and offers Pay later in 3 interest-free installments based on a number of factors such as the order value, previous order history, and item availability.

If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free installments by ensuring you provide your full name

and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for

Pay later in 3 interest-free installments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free installments is denied,

 it does not mean it will be denied for all future orders.


What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free installments, you’ll need to provide your mobile phone number, email address,

current billing address, and a debit or credit card. A mobile number is required in case we need to reach you. All communications will be sent to your email address.

It’s very important that you give us the correct details, as otherwise, you will not receive your payment schedule and any updated order information.


Will a credit search take place against me?

Klarna may run so-called unrecorded inquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna,

but not visible to other lenders. Neither Klarna nor Part-Box runs credit searches against you that could impact your credit rating.


Why have I not been offered Pay later in 3 interest-free installments?

Although Pay later in 3 interest-free installments is widely promoted it is not always universally available. The Pay later in 3 interest-free installments payment option is

automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store,

previous order history, and item availability.


What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free installments will automatically be collected from the debit or credit card you entered at checkout.

The first payment is taken when the order is confirmed. The second and third installments are collected 30 and 60 days, respectively, after the first installment.

You can always monitor your payments schedule in the Klarna app.


What happens if I cancel or return my order?

As soon as Part-Box has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

The return will be received in the Klarna app immediately.


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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free installments purchase at Part-Box from the debit or credit card you entered at checkout.

If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later.

Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later.

Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment,

and you can always monitor the due date in the Klarna app at your convenience.


You will not be charged fees or interest for late and/or missed repayment(s).

Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 installments’ product even if you have failed to pay on time.

If you fail to make a payment you will