Klarna steps and information

  • Pay later 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 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.


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 in 30 days is not regulated by the FCA.T&Cs apply. klarna.com/uk/terms-and-condition


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 30 days later?

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 my Pay in 30 days order?

Klarna will alert you before payment is due to help remind you to pay on time. You will not be charged fees or interest for late and/ or missing repayment(s). If you fail to make a payment you be in default and may be unable to use their service in the future. To find out more if you are unable to pay please click here.

What happens if I don’t pay for my Pay in 3 instalments order?

Klarna will automatically attempt to collect your second instalment from the debit or credit card that you entered at checkout. If the payment cannot be collected on the scheduled due date Klarna will make a further attempt to collect payment 7 days later and again 7 days afterwards. If this last payment attempt fails, Klarna will add the failed amount to your final instalment. Klarna will issue you with a statement for the full outstanding order amount. This will become payable 15 days later. Klarna shall notify you when a payment is due in advance of attempting to collect your payment.

Missed payments may affect your ability to use Klarna in the future.

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.