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Learn more about Klarna

Pay now

Pay directly when placing your order. No credit card number, no extra passwords, no worries.

pay later

Only pay for what you like. Review your order first and then decide what you want to keep.

Pay in installments

Pay your orders in installments and at your own pace. You decide how much you want to pay monthly.

General

What is Klarna?

Klarna is one of the leading payment providers in Europe and a licensed bank that is fundamentally changing the payment experience for buyers and sellers. The company, founded in Sweden in 2005, enables online shoppers to handle outstanding payments immediately, later or in installments quickly, easily and securely. Klarna works with more than 130,000 retailers such as Asos, Spotify, MediaMarkt and Deutsche Bahn and currently employs more than 2,500 people in 14 countries. In 2014 Klarna took over Sofort GmbH; In 2017, Billpay GmbH was acquired. The company's investors include; Sequoia Capital, Bestseller Group, Atomico, VISA and Permira. More information can be found atwww.klarna.eu

Is it safe to shop online with Klarna?

Definitely! Shopping online couldn't be more secure than with Klarna. In a store, you can always touch and check the goods you want to buy before paying for them. We believe that online shopping should be no different. That's why Klarna purchase on account gives you the opportunity to check your goods first and pay later.

Our goal is to make shopping easier and safer - smooth. That is why we take drastic measures to protect you as a buyer against fraud and unreliable online retailers. Whenever you see the Klarna logo in an online store, you can be sure that the store is trustworthy and meets our strict requirements.

Klarna is also certified by TÜV Saarland and Trusted Shops. Certificates give you as a consumer positive indications of the quality of the services and products. The associations registered under "the TÜV" are known worldwide and the certificates promote the highest international reputation. TÜV Saarland has concentrated on customer-oriented services outside the traditional official fields of activity. Every year, TÜV Saarland ensures that our business model is serious and that Klarna offers secure payment methods through a detailed investigation.

Klarna has been a “Trusted Shops Authorized Partner” since 2011 and as an “authorized partner”, Klarna's processes are perfectly adapted to the Trusted Shops quality criteria. The Trusted Shops quality criteria are based on national and European laws that are important for online shopping. They take into account the current judgments and requirements of consumer protection organizations or go even further. Read more about the Trusted Shops seal of approval here.

In addition, Klarna Buyer Protection protects you with every purchase from Klarna. This is an agreement between you and Klarna that allows you to shop online safely. To ensure that the Buyer Protection Directive applies, you as a consumer must make the purchase from an entrepreneur. Please note that the Buyer Protection Directive only applies to payments made with Sofort if it is expressly stated on the payment method selection page in the merchant's online store.

I have more questions about my payment. Can I speak to someone from Klarna?

Yes of course! You can chat with us in the app at any time or call us on 0221 669 501 10

Learn more

Finance

Minimum loan value is £250 and the maximum loan value can be up to £15,000. 0% finance is available on jewellery above £250, you can choose to pay across 6 months with a minimum deposit of 10% or across 12 months with a minimum deposit of 30%. We also offer Classic Credit with 9.9% APR across 24, 36 or 48 months with a minimum deposit of 10% required.

0% APR Finance Example

Cash Price £500.00
Deposit 50% £250.00
Amount of credit £250.00
Cost of loan £0.00
Total amount payable £250.00
Payable by 6 monthly payments £41.67
APR 0%

9.9% APR Finance Example

Cash Price £1,950.00
Deposit 10% £195.00
Amount of credit £1,755.00
Cost of loan £178.48
Payable by 24 monthly payments £80.56
APR 9.9%

What Is The Cost Of The Loan?

The cost of the loan will vary depending upon the repayment duration and type of finance you choose to take out.

Please note

Finance examples shown above are subject to status. Terms and conditions apply.

Important Notes

Consumer credit service provided by V12 Retail Finance on behalf of the lender - Secure Trust Bank PLC. V12 Retail Finance is authorised and regulated by the Financial Conduct Authority. Registration number: 679653. For more information please visit www.v12retailfinance.com.

Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How To Apply?

You can apply by selecting this method of payment at the final stage of the checkout process. It only takes a couple of minutes and you'll get an instant decision.

Do I Qualify For Finance And What Do I Need?

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits.
  • The goods must be delivered to your home address.

The Benefits Of Buying Jewellery With Finance

  • Buy the jewellery you want with as little as 10% deposit.
  • Choose 24, 36, 48 month repayment periods, available at 9.9% interest rate.
  • Invest in more expensive jewellery now but with low monthly payments.
  • One stop shopping, no need to go to the bank to secure a loan.
  • Keep cash for day-to-day expenses.
  • Fixed payments allowing you to budget effectively.

How To Finance An Engagement Ring?

Engagement rings are expensive and that’s why purchasing one can be a major financial decision. Some people prefer to pay by taking out engagement ring finance, even if they have the cash straight away, as it means that they do not need to spend their savings in full and the payments can be spread across a certain amount of time.

There are a number of finance options available depending on the repayment period that you prefer to select. If you wish to take out engagement ring finance, you will first need to apply. To do this, simply select this method of payment during the final stage of the checkout process or speak to a member of our sales team who will be able to help. It doesn’t take long to find out whether you qualify for finance and in most instances you will get a decision straight away.

Frequently Asked Questions

Please take a moment to read through a selection of the most commonly asked questions we receive about finance. If you cannot find a response to a question you might have, please do not hesitate to get in touch on 0207 138 3672 0207 138 3672.

How much can I borrow?

0% interest is available on all jewellery for sale above £250, made payable over 6 months with a minimum of 10% deposit or 12 months with a 30% deposit. We also offer a 9.9% interest credit option with a minimum of 10% deposit, which can be made payable over 24, 36 or 48 months.

Is a deposit required?

Yes, a minimum of 10% deposit will need to be paid upon acceptance for 0% interest loans payable over 6 months and 30% deposit those made payable over 12 months. For 9.9% interest loans, paid across 24, 36 or 48 months, a minimum of 10% deposit is required.

How are my monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your loan term, on that day of the month.

What type of jewellery can I buy on finance?

You can purchase anything you like, as long as it meets the criteria set out here. Please remember that the minimum order value for finance is £250.

What length of repayment is available?

Length of repayment is 6 or 12 months for 0% interest loans and you can choose a 24, 36 or 48 month loan repayment period for our 9.9% interest loans.

How do I apply?

You can apply on our website. Simply follow the checkout process, once you have selected the items you want, and select V12 Retail Finance as a payment method.

Get In Touch

If you would like to talk to our friendly Customer Care Team about any of the finance issues outlined above, please get in touch on 0207 138 3672 0207 138 3672 , or enter into a Live Chat as you prefer.

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