- Late repayments can cause you serious money problems. For help, contact the MoneyHelper.
Top Klarna retailers with Black Friday deals
Can I use buy now, pay later services on Black Friday?
Yes! You can shop as usual on Black Friday. Simply select your chosen buy now, pay later service at the checkout of your favourite retailer and start saving.
Where can I shop with Klarna on Black Friday?
You can browse a full list of Klarna shops with Black Friday deals above. Some of our favourites include boohoo, ASOS, Topman and Superdry.
Can I use Klarna to pay at Currys, Argos or Dunelm on Black Friday?
Right now, you can’t pay by Klarna when shopping online at Currys, Argos or Dunelm. But keep checking back as Klarna adds new retailers every day. In the meantime, check out our full list of Klarna stores to see where else you can buy now and pay later.
What is Klarna and how does it work?
Klarna is a payment service that has partnered with scores of online retailers. Once you know a store offers Klarna, you can shop on its website as usual, and at the checkout, select Klarna as your payment method.
With Klarna, you can usually “Pay in 30”, which is a great option if you want to try items before you buy, or “Pay in 3 instalments”, where you can split the payment into 3 manageable chunks. For big-ticket items, you might be able to use Klarna’s “Finance” option, which allows you to pay for your goods in monthly instalments over 6-36 months.
Klarna will use your nominated bank card to process your application and approve you at the checkout. Klarna will send you a reminder when your payments are due (either 14 or 30 days after you order, depending on the store) and you can pay any time you want through Klarna’s website.
What happens if I miss a payment with Klarna?
Klarna encourages all customers to shop within their means and carries out a “soft credit check” with credit reference agencies before letting you use its service. The good news is this won’t affect your credit score and won’t show up on future credit checks.
If you do find you’re struggling to meet your payments, you might be eligible to snooze your payment due date for an interest- and fee-free 10 days. If you’re not eligible and can’t pay, contact Klarna as soon as possible. Missed payments mean your Klarna account will be stopped and you won’t be able to make any other purchases.
If you’ve chosen the “Pay in 3” finance option and find that you can’t make your first payment, Klarna will get in touch and then try 2 more times to take the money. If you still can’t pay, it will roll over into your next instalment. Again, you’ll be informed if the next payment fails, giving you time to add money to your account. After 2 more attempts, Klarna will then roll the payment over into your third and final instalment. If you still can’t pay, Klarna will contact you to see if you can use another payment method or refer you to a debt collection agency.
It’s worth noting that if you’ve chosen to buy an item using a Klarna “Finance” option, the company is obliged to report missed and late payments to credit reference agencies. This could negatively impact your ability to obtain credit in the future.
Buy now pay later news and reviews
Klarna to introduce late fees in the UK
Klarna will start charging UK customers for late payments from March 2023.Read more…
Square enters the UK buy now, pay later market through Clearpay
Payment platform Square enters the buy now, pay later market with Clearpay.Read more…
Virgin Money is the latest lender to grab a “Slyce” of the BNPL pie
Virgin Money is offering eligible customers to “buy now, pay better on terms that work for them” with its new credit card product, Slyce.Read more…
What is PayPal Credit?
Discover more about PayPal Credit to see if it could work for you.Read more…
Butter review 2023
Spread your flights, hotels and shopping purchases over 10 instalments with buy now, pay later provider Butter.Read more…
More guides on Finder
PrettyLittleThing Black Friday deals 2023
Get up to 100% off! Everything you need to know about this Black Friday at PrettyLittleThing – find out when and how to shop to get the best deals.
iPhone Black Friday deals 2023
Discover all the best Black Friday iPhone deals. See which retailers are discounting iPhones this Black Friday and Cyber Monday.
Black Friday Clearpay deals live now: Where to shop with Clearpay this Black Friday
Looking to shop this Black Friday but pay for your order later? Here are all the best Black Friday deals with Clearpay as a payment option at the checkout.
Lovehoney Black Friday deals 2023
Lovehoney’s Black Friday and Cyber Monday deals will be sure to satisfy you – both in the bedroom and in your bank account.
Simba Black Friday deals 2023 – What to expect
After this year, you deserve a good night’s rest. So don’t lose sleep over your spendings – find out how you can get a Simba Sleep mattress for less on Black Friday and Cyber Monday.
GoPro Black Friday deals 2023 – What to expect
Get big discounts off GoPro’s latest camera models this Black Friday and Cyber Monday.
Jet2 Black Friday deals 2023 – Now live!
Discover the best deals and discounts from Jet2 this Black Friday and Christmas season. Get discounts off last-minute flights, holidays and city breaks.
Joe Browns Black Friday deals 2023
Discover the latest Joe Browns Black Friday deals, discounts and sales right here and save on your next Joe Browns order.
Black Friday PS4 deals 2023
Find the best places to get a PS4 from this Black Friday using this handy guide.
Ask an Expert