Klarna

• Pay in 3 payments will allow you to spread the cost of your purchase over 3 equal instalments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first payment will be made when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later.

• Alternatively, you can Pay Later in 30 days. Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees. On the Klarna app you have the option to pay off the balance earlier or extend the due date to a later date if needed. If your order is eligible for ‘Pay in 30 days’, the option will be presented at the time of checkout. As soon as we ship your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will be visible and manageable in your Klarna App.

Eligibility

All you need to be able to order with Klarna is a UK bank account, a UK residential address and that you’re 18 or over. If you’re struggling to use Klarna it could be because; you may have an outstanding payment from another date, you have filled out your details incorrectly on the form or they have rejected your application. If Klarna reject your application, we recommend choosing another payment type.

Please spend responsibly, borrowing more than you can afford can affect your financial status. Before submitting your order, please ensure you can afford to make your monthly repayments in time.

Liberty House Toys Ltd is not a lender and acts only as an introducer. The credit products is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents ages 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 3 instalments and Pay Later in 30 days is not regulated by the FCA.T&Cs apply. klarna.com/uk/terms-and-condition

FAQ's

What is Klarna?

Klarna is a payment service that allows customers to make purchases instantly. Customers can pay in 3 instalments or pay 30 days later from the date of purchase. To see Klarna's full terms and conditions please click here.

How does Klarna Work?

Shop on Liberty House Toys and check out as normal. At checkout, then choose the Klarna payment method. You will know if you are approved in seconds and once approved you will get an email confirmation from Klarna.

Are there any fees to use Klarna?

There are no extra fees when you follow your payment schedule properly with Klarna.

How do I pay in 3 interest free instalments?

Select the 3 interest free instalments option to split your purchase into 3 equal payments that will be taken every 30 days stating at the time of your order.

How do I pay later in 30 days?

Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees.

How do automatic payments work?

Payments are collected on a 30 days basis off the debit or credit card given at the time of purchase. All scheduled payments will be sent over on email by Klarna. You can review your purchases by logging in to Klarna or visiting the app.

How do I return an item purchased with Klarna?

Klarna returns will follow our usual standard returns process. For more information on our returns policy please see here for more information. Once the return has been processed your total balance will be updated and any remaining payments are automatically adjusted from the last instalment. Any payments already made will be refunded back to the original payment method. For further information about Klarna returns please click 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 Later in 30 & 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.

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

Pay Later in 30 and 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.

Does Klarna impact my credit score?

Klarna may run a soft credit search that does not affect a customer’s credit score and is only visible on your credit file by you and Klarna. Neither Klarna or Liberty House Toys run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.

For more information on Klarna you can contact Klarna anytime here or downloading the Klarna app.