Klarna: Shop Now, Pay Later

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It's simple:

  1. Step 1: Add products to your cart and select “Klarna” when you check out.
  2. Step 2: Enter a few personal details and you’ll know instantly if you’re approved.
  3. Step 3: Klarna will send you an email confirmation and reminders when it’s time to pay, and you can manage your orders and payments in the Klarna app.

Klarna Payments are available only for purchases made in the UK. Not available if you are not from the UK.

Payments Information

1. 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.

  • 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 our 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.

Klarna's Pay in 30 days are unregulated credit agreements. 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. Late fees may apply. Terms & Conditions apply.

2. Pay in 3 Instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. 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 give you flexibility to shop without interest or hidden fees.
  • 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 are unregulated credit agreements. 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. Late fees may apply. Terms & Conditions apply.

3. Financing

Late or missing repayments may have serious consequences for you and cause you serious money problems.

Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

Spread the cost of your purchase into equal monthly payments with:

  • UK Promotional Interest Free (0% APR) – 6 months - only applicable if all the payments are made on time. Otherwise, it will revert to an 18.9% rate if the customer doesn't pay the full amount on time.
  • UK Interest Bearing (18.9% APR) – 12 months, 24 months, 36 months.

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this option. The first time you shop with Financing you will be asked to apply for a Klarna Account. If you’re approved, Klarna will create an account for you, and your order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

Scootera Ltd, located at Camden Gateway 349 Royal College St, London NW1 9QS United Kingdom, is authorised and regulated by the Financial Conduct Authority (FCA FRN 921451) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB UK branch (BR020956), which is a branch of Klarna Bank AB (556737-0431) authorised and regulated by the Swedish Financial Services Authority. Finance is only available to permanent UK residents aged 18+, subject to status, Terms & Conditions apply.

About Klarna

Pay Online or in the App

Safe and Secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Visit our FAQ page to find out more about using Klarna: https://www.klarna.com/uk/customer-service/

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

  • Over 100 million shoppers are using Klarna.

  • 200,000 retailers are working with us worldwide.

  • We’re one of Europe’s largest banks and we've been powering online checkouts for over 15 years.

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. Terms & Conditions apply: www.klarna.com/uk/terms-and-conditions.

FAQ about Klarna

1. Pay Later in 30 Days: Frequently Asked Questions

 

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.

How does Pay Later in 30 Days work?

Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Am I eligible for Pay Later in 30 Days?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products, including Pay later in 30 days. When you choose Klarna, they will also check the information you provide and your financial situation.

Can I have multiple Pay Later in 30 Days orders at the same time?

Yes, you can. If you see Klarna Pay later in 30 days when you go to an online checkout, then Pay later in 30 days is available to you. Every time you use Pay later in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.

What does Klarna consider when reviewing my application?

Klarna offers Pay later in 30 days based on a number of factors such as the purchase amount, previous order history, and more. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name and accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 30 days before does not mean it will be offered for every order and vice versa.

2. Pay in 3 Instalments: Frequently Asked Questions

 

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.

How does Pay in 3 Instalments work?

Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. The first payment is taken when you make the purchase, the second 30 days later, and the final payment 60 days after your purchase date. You can monitor your past and future payments using the Klarna app.

Am I eligible for Pay in 3 Instalments?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products, including Pay in 3 instalments. Klarna will check the information you provide and your financial situation.

Can I have multiple Pay in 3 Instalments orders at the same time?

Yes, you can have multiple orders with Pay in 3 instalments. Klarna will check your eligibility for each new purchase.

What does Klarna consider when reviewing my application?

Klarna considers several factors such as purchase amount and previous order history. Providing full and accurate personal and address details can improve your chances of being approved.

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

You'll need to share your phone number, email address, current billing address, and your credit or debit card details to make a purchase with Pay in 3 instalments.

Will a credit search take place?

A credit search will be performed when you choose to use Pay in 3 instalments to assess your creditworthiness.

How do I make repayments to Klarna?

Repayments will be taken automatically from your card. You can track your payments in the Klarna app.

Can I pay before the due date?

Yes, you can make payments before the due date through the Klarna app or on their website.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Scootera Ltd. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

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

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date, Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

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

If you don't make your payments, you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.

Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency, Klarna will share this information with credit reference agencies.

I've received a statement, but I've not yet received my goods.

If you have not received your goods, please call Scootera Ltd to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

What happens if I cancel or return my order?

As soon as Scootera Ltd has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

I have canceled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will normally be processed within 5 business days.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card which was originally used at checkout.

What happens to my statement, when I have returned the goods?

Once Scootera Ltd has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

What happens to my statement when I have returned part of my order?

Once Scootera Ltd has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

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

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

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

Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply

3. Klarna Financing: Frequently Asked Questions

 

Do you offer a financing plan?

We have partnered with Klarna to offer credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over [6, 12, 24, or 36] months.

Who is Klarna?

Klarna is a global 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 trust Klarna to securely handle their payments.

How do I place an order using Financing with Klarna?

To purchase with Klarna Financing, add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start your application for Klarna Financing. You will be asked to provide information about yourself which is required to check your eligibility. If you are approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application, and you won't have to leave our website.

Am I eligible?

To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances. A full credit search will also be performed when you apply for a Klarna Financing agreement.

What details do I need to provide when I make my purchase?

You will need to provide your name, billing address, email address, and phone number, as well as your employment and bank details.

Will I be required to pay anything when I apply?

In some cases, you may need to pay a portion of the balance as a deposit up front. If this is the case, you will be prompted to make a deposit as part of the Financing application.

If I make my purchase on a Klarna Financing plan, will I pay interest?

Our Financing options are credit plans with repayment terms ranging between 6-36 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout. The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month.

Can I set up automatic monthly repayments?

During the Klarna Financing application, you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will debit your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything. It is important to ensure that you have enough funds in your account to cover the repayments on your due date each month.

Will I receive an email confirmation when purchasing with Klarna Financing?

If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you receive all Klarna communications related to your Financing plan.

If I apply for Klarna Financing, will this affect my credit score?

When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in the future. For any questions relating to the credit check process, you can contact Klarna’s customer support team.

What if I am late or miss a payment?

Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna customer service via the support section of the Klarna app or via Klarna’s customer support page.

I purchased my item on a Klarna Financing plan and I would like to return it.

Please contact our support team at sales@scootera.uk to process your return. Once your return has been processed, your Klarna Financing plan will be adjusted.

How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, we will credit the balance back to you or process a refund. This is usually completed within the next 5 business days.

I still have questions about Klarna Financing.

Please visit Klarna’s customer service page for a full set of FAQs. Alternatively, you can contact Klarna via live chat from their website, by downloading the Klarna app or over the phone at 0808 189 3333.

Scootera Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 921451) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Please note that the following products are not regulated by the FCA: [Pay in 30 days and Pay in 3 instalments]. Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. klarna.com/uk/terms-and-conditions