What is Klarna Pay-In-3?

Klarna Pay In 3 ‐ allows you to split your purchase into 3 interest-free installments that are automatically charged to your debit or credit card every 30 days.

Am I eligible for Pay in 3 instalments?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.

How do I sign up for Pay-In-3?

There is no sign up required! If you are eligible, the option will be presented to you at checkout! Your purchase must meet a minimum of £30, and a maximum of £1,500.

What does Klarna consider when reviewing my application?

Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.

What do I need to provide when I make a purchase?

If you want to purchase something using Klarna’s Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Is there a cost or credit check to use Pay-In-3?

There is no cost to use Klarna Pay-In-3. When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How does the payment schedule work?

Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

Can I use another form of payment with Pay-In-3?

At this time, Pay-In-3 is not able to be combined with any other payment method.

Can I have multiple Pay in 3 installment orders at the same time?

Yes, you can. If you see Klarna Pay in 3 instalments when you go to checkout online then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

I’m having trouble paying for my order with Klarna.

If you are having any trouble placing your order with Klarna, it could be due to one of the following reasons:

• Klarna may have rejected your application, we recommend using another type of payment method or placing your order for a smaller amount
• You may have outstanding payments on previous Klarna invoices
• You may have missed a required field at checkout
• Your order may not have reached the purchase threshold of £30

How do I know Klarna received my payment?

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto www.klarna.com/uk.

What happens if I don’t pay my order on time?

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

Is there a late fee if I miss a payment?

If a payment fails, Klarna may charge late fees of up to £5 per order. In the event that a payment is still not made after a 7 day period, an additional late fee of up to £5 is applied to the next installment due date. A reminder during this retry period is also sent. Klarna may charge up to two late fees per order. If we are unable to charge a biweekly payment, customers may be unable to use Klarna payment options in the future.

What happens if I don’t pay for my order?

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.

Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

I haven’t received an email with my 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.

I’ve received a statement, but I’ve not yet received my goods.

If you have not received your goods please call Abercrombie & Fitch to check on your order and delivery status. You can also contact Klarna’s Customer Service, so that they 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.

How do I return or exchange an item purchased with Klarna?

You can still make returns and exchanges with Pay In 3! Use our Digital Returns and Exchanges link here to start your return or exchange, or bring your items and order invoice to a local Abercrombie & Fitch store in the UK. For returns, any payments made will be refunded back to the original payment method, and the remaining payments will be cancelled. If part of your order is returned, your balance will be updated and any remaining payments will be automatically adjusted (starting from the last installment and moving forward).

What happens if I cancel or return my order?

As soon as Abercrombie & Fitch has confirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

What happens to my statement when I have returned part or all of my order?

Once Abercrombie & Fitch has received the return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna for partial returns. If you returned your entire order, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I have canceled my order. How long will it take until I receive my refund?

As soon as Abercrombie & Fitch has registered your cancelation or your return, the refund will normally be processed within 5 business days.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card which was originally used at checkout.

Will Klarna receive and process my personal information?

In order to be able to offer you Klarna's payment options, Klarna will collect certain of your personal information, such as contact and order details. Klarna will receive this information in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Abercrombie & Fitch. All transactions take place through connections secured with the latest industry standard security protocols.

How will Klarna handle my personal information?

Klarna will handle your personal information in accordance with the information in Klarna's privacy notice and Klarna's terms and conditions.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Klarna’s Pay in 3 instalments 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.