What is Klarna?
Klarna is a Swedish payment service provider that helps you buy what you want now and pay for it later. With over 60 million happy customers shopping with more than 100,000 online retailers they are a trusted payment provider.
When shopping with Birchthorn you can now pay the way you want with Klarna. It's up to you whether you prefer to pay right away, pay later or pay over time.
Please remember to spend responsibly - splitting payments can encourage further spending and cause debt.
How does it work?
1. Add your new items to your cart
2. Select your desired delivery option
3. Checkout with Klarna and choose the payment option that suits you
4. There will also be a soft credit check on application to determine if you are eligible for this payment method. These do not impact your credit file, at application or if a payment is missed or late.
5. Klarna will send you an email confirmation and reminders when it's time to pay and you can your orders and payments in the Klarna app.
Methods of Payment
Simply pay immediately. Klarna remembers all of your info so you don't have to. Easy peasy.
Simply hit 'Pay Later' when you checkout and don't worry, there are no passwords to remember. Klarna will email you reminding you to pay up 30 days after shipping.
Not making your payment on time could affect your ability to use Klarna in the future. Debt collection agencies are used as a last resort. You must be 18+ and a UK resident to be eligible for this credit offer.
Pay in 3
All you have to do is select 'Pay in 3' at the checkout and the first installment will be taken when your order is confirmed. No interest, no hassle. To check your eligibility, Klarna will perform a soft search with a credit reference agency - this will not affect your credit score but failure to pay on time could result in debt collection agencies.
How do I manage my account?
You can review your latest Klarna invoices by visiting klarna.com.
Am I eligible/will I be accepted?
You must be at least 18 years old to use Klarna payment services and they're offered subject to your financial circumstances. Klarna uses a 'soft credit search' to assess who is eligible, but don't worry, this doesn't affect your credit rating.
When do I have to pay?
You'll receive an email with payment instructions 2 days after your order is confirmed, depending on your chosen method. We'll also send a little reminder a couple days before payment is due.
Birchthorn acts as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Please note Pay in 30 days and Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.