We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Pay in 30 Days:

  • Pay up to 30 days later
  • No interest or fees when you pay on time

Pay in 3:

  • Pay in 3 equal payments every 30 days
  • Available on orders between £35 – £1000
  • No interest or fees when you pay on time
  • Instant credit approval at checkout

Pay Over 3 Years:

  • Spread the cost from 6 months – 3 years*
  • Available on orders over £1000

*Klarna’s Pay in 3 / Pay in 30 days are unregulated credit agreements. 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. Ts&Cs and late fees apply. klarna.com/uk/terms-and-conditions/ 

About Klarna

Klarna is a Swedish company that was founded in 2005 with the aim to offer an easier way to checkout online. Klarna is the leading global payments and shopping service, with 150 million active consumers across more than 450,000 merchants in 45 countries. For more information about Klarna, click here.

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases.

Payment Information

Here’s how it works:

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Part 2: Payments information

Pay in 30 days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

  • Complete the payment in full after purchase at no added cost.
  • Report returns directly in our app and only pay for the items that you keep.
  • 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

Pay in 30 days 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.Ts&Cs and late fees apply.

For further information, click here

Pay in 3

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Select the Klarna option and enter your debit or credit card information.

  • A new way to pay that’s an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest.
  • 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.

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.Ts&Cs and late fees apply.

Part 3: About Klarna

For further information, click here.

Financing

Financing allows you to spread the cost of your purchase over time. With 6, 12, 24 and 36 month finance options available, you can pick a plan that best suits you. An initial deposit will be collected when your order is confirmed. Available on orders over £1000.

  • Spread the cost from 6 months – 3 years
  • Available on orders over £1000

Klarna will perform hard credit searches using credit references agencies, which may affect your credit rating. 

Click here to read Klarna’s full terms & conditions. 

Please spend responsibly. Borrowing beyond your means could seriously affect your financial status, so please ensure you can afford to make your repayments on time by their due date. Klarna’s [Pay in 3 instalments], [Pay in 30 days] [and] [Financing] credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions/. 

Klarna eligibility

  • 18 years or over
  • Valid mobile number and email address
  • Resident of the UK
  • Subject to financial circumstances

To use ‘Pay later in 30 days’, ‘pay in 3 interest-free instalments’ or financing, you must be at least 18. While both payment options are widely promoted, ‘Pay later in 30 days’, ‘pay in 3 interest-free instalments’ and financing are subject to your financial circumstances. Borrowing beyond your means could seriously affect your financial status, so please ensure you can afford to make your repayments on time by their due date. Klarna’s [Pay in 3 instalments], [Pay in 30 days] [and] [Financing] credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. Late payments will incur additional fees. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions.

Terms and conditions

For further information, see Klarna’s full terms & conditions.

If you require direct support from Klarna, click here

Frequently Asked Questions

Visit Klarna’s FAQ page to find out more about using Klarna. Click here

Privacy Policy

For Klarna’s privacy policy, please click here

Missing payments can 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.

The Home Furniture Store is authorised and regulated by the Financial Conduct Authority (FCA FRN 972635) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.