Furniture stores that offer Klarna | Full list

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 select either “Pay in 30”, which is a great option if you want to try items before you buy, or “Pay in 3”, where you can split the payment of orders into 3 more manageable chunks. For big ticket items you can use Klarna’s financing option, which allows you to pay for your goods in monthly instalments over 6-36 months.

You can find out more about how Klarna works here.

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.

Klarna charges a late payment fee of up to £5. If you place an order valued at £20 or above, you’ll be charged £5 if you miss your payment. If your order is below £20, your late payment fee will be under £5. The fee is also capped at 25% of your order.

If you do miss your payment, Klarna won’t charge you until after a 7 day grace period and sent you 4 reminders. Until April 27th 2023, you can waive the late repayment fee by completing a financial awareness test, dubbed the ‘Never Forget’ test, in the Klarna app.

It’s important to note that Klarna reports purchases paid on time, late payments and unpaid purchases to both Experian and TransUnion, but at the moment, it does not affect your credit score. To learn more, read our full guide.

Right now, you can’t pay by Klarna when shopping online at B&Q or Dunelm. But keep checking back as Klarna adds new retailers every day. In the mean time, check out our full list of Klarna stores to see where else you can buy now and pay later.

Klarna was first founded in 2005, but the number of people regularly using the app has risen sharply since then. In December 2018, the platform recorded 14,000 active users in the UK, but in July 2020, that number had increased by 3143% to 460,000.

Safe to say that a large number of Brits use Klarna regularly for their buy now, pay later needs.