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Unique finds, many ways to pay

Get the things you love with Klarna's Pay in 3 and flexible financing options.*

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*Klarna’s Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+. UK residents only. Subject to status. T&Cs and late fees apply.

Buy now, pay later

Split your purchases into 3 interest-free payments or more with Klarna.

Complete confidence

No fees when you pay on time—know exactly how much you'll pay at the time of purchase.

Convenient

Set up your Klarna account in no time, pay in a few taps and manage your spending.

*Eligibility for Klarna is determined at checkout.

Representative example: Borrowing £1000 over 24 months with a representative APR of 21.9%, an annual interest rate of 21.9% (fixed) and a deposit of £0.00, the payment would be £52 per month, with a total cost of credit of £248 and a total amount payable of £1,248.

eBay (UK) Limited is an appointed representative of eBay Commerce UK Ltd (of Hotham House, 1 Heron Sq, Richmond upon Thames, Greater London, TW9 1EJ) which is authorised and regulated by the Financial Conduct Authority (Firm reference number: 968972). eBay (UK) Limited acts as a credit intermediary and not a lender, offering credit products from certain finance providers, including Klarna Financial Services UK Limited.

Financing is only available to permanent UK residents aged 18+, subject to status. Terms and Conditions and late fees apply.

Note that the Pay in 3 instalments option is not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and credit.

For more information, refer to the Klarna Terms and Conditions and eBay Information Disclosure Document.

How does Pay in 3 work?

Klarna's Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly, so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

If I make my purchase on a Klarna Financing plan, will I pay interest?

Our Financing options are credit plans with repayment terms ranging between 6-36 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout. The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month.

Will a credit search take place?

When you use Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

A full credit search will also be performed when you apply for a Klarna Financing agreement.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

What if I am late or miss a payment?

Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna customer service via the support section of the Klarna app or via Klarna’s customer support page.

What happens if I cancel or return my order?

As soon as eBay has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

Where can I learn more?

Find the answers to any other questions here.