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What happens if I’m unable to make my Pay in 3 Payments to Klarna?

Klarna will automatically attempt to collect your payment for your Pay in 3 purchase from the debit or credit card you entered at the checkout. If Klarna is unable to collect your payment on the scheduled due date, one further attempt will be made, two days later, to automatically collect payment. Should this payment attempt fail, Klarna will issue you a statement for the full outstanding order amount. This will become payable in 15 days. 


Klarna will notify you when a payment is due two days in advance of collection. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default and may be unable to use Klarna in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort. Klarna has a specially trained team to step in and help if you have any difficulties meeting your repayments. If you want to talk, you can contact the Klarna Customer Services team on: Local Rate: 020 300 50833 or Freephone: 0808 189 3333 Please spend responsibly.

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