Payment convenience and control for shoppers when they need it. Buy now and pay later with Klarna payments service provider that takes end-to-end responsibility for collecting/processing your interest-free instalment payments.
// How does 'buy now and pay later' work?
Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed and following instalments 2 and 3 are scheduled 30 and 60 days later, respectively. Don't forget to monitor your payments’ schedule in the Klarna app.
// Who is eligible paying in interest-free instalments?
To use buy now and pay later payment option you must be at least 18. However please keep in mind that this option is subject to your financial circumstances. When choosing to pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
// What details to provide when making a purchase?
If you want to make a purchase with Klarna using pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or credit card. All communications will be sent to your email address. The mobile number is required in case we need to reach you. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
// Will a credit search/check take place?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Time Out Space run credit searches that could impact your credit rating.
// Why have you not been offered to pay by interest-free instalments?
Although we widely promote Klarna payments it is not always universally available. Pay later in 3 interest-free instalments option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.
// What happens if you cancel or return your order?
As soon as Time Out Space have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.
// How long will it take until a refund will be issued?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days. Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
// How safe is your payment information?
Payment information is processed securely by Klarna. All transactions take place via connections secured with the latest industry standard security protocols.
// Can you pay-off before the due date?
Yes just go to the Klarna app or log onto www.klarna.com/uk and pay off early.
// Received a statement, but have not yet received your goods?
In the event that your goods have not been received please call Time Out Space to check on your order and delivery status. You can also contact Klarna's customer service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.
// Haven’t received an email with your statement/payment information?
You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.
// What happens if you don’t pay for your order?
Klarna will automatically attempt to collect your payment for your pay later in 3 interest-free instalments purchase at Time Out Space from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience.
// Will late or missed payments incur interest fees/ affect credit score?
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 option 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. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. 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.
// Still have questions regarding your Klarna payment?Visit Klarna app Klarna’s customer service for a full list of FAQs, live chat and telephone options.