Full list of shops that use Klarna

Klarna has partnered with scores of online retailers – you can see the full list on this page. 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 good 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 may be able to use Klarna’s financing option, which allows you to pay for your goods in monthly instalments over 6-36 months. This is a credit agreement that comes with an interest rate – see our Klarna review for full details. There’s also a Klarna Card which works much like Pay in 30.

Klarna will use your nominated bank card to process your application and approve you at the checkout. It will also send you reminders about when your payments are due (either 14 or 30 days after you order, depending on the store) and you can pay any time within this period through Klarna’s website.

Before you use any BNPL service, you need to be sure you can make the repayments, otherwise you risk getting into debt. Klarna carries out a “soft credit check” with credit reference agencies before letting you use its service. This initial credit check won’t affect your credit score and won’t show up on future credit checks.

But, if you struggle to make your payments it might affect your ability to get credit again in the future from Klarna or other lenders. Missed payments mean your Klarna account will be stopped and you won’t be able to make any other purchases. Klarna will also notify credit reference agencies about any payments you make and any you fail to make on time.

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.

It’s worth nothing that while Klarna “Finance” is a regulated credit agreement, which means it is regulated by the UK Financial Standards Authority and offers consumer protection if you’re mis-sold a product or something goes wrong. Klarna “Pay in 3” and “Pay in 30”, however, are currently still unregulated, which means if you have trouble with your purchase you have less protection and can’t escalate your complaint to the Financial Ombudsman Service.

The government is currently looking into regulating the UK’s BNPL credit products and may introduce new legislation soon. In any event, borrowing more than you can afford or paying late may negatively impact your ability to gain credit and your financial status.

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. If you’re having debt problems, you can contact the government-backed service MoneyHelper for free support.

Similarly, if you fail to pay for a purchase bought using Klarna’s “Pay in 30” option, you will no longer be able to use Klarna and they may refer you to a debt collection agency.