{"id":371,"date":"2026-02-06T15:20:21","date_gmt":"2026-02-06T15:20:21","guid":{"rendered":"https:\/\/blog.citrus-lime.com\/balf\/?p=371"},"modified":"2026-02-06T15:20:21","modified_gmt":"2026-02-06T15:20:21","slug":"pay-later-with-klarna","status":"publish","type":"post","link":"https:\/\/blog.citrus-lime.com\/balf\/pay-later-with-klarna\/","title":{"rendered":"Klarna: Frequently Asked Questions"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/blog.citrus-lime.com\/balf\/wp-content\/uploads\/sites\/10\/2021\/10\/Klarna_PaymentBadge_OutsideCheckout_Pink_thumb_3CE53545.png\" alt=\"\" class=\"wp-image-372\" srcset=\"https:\/\/blog.citrus-lime.com\/balf\/wp-content\/uploads\/sites\/10\/2021\/10\/Klarna_PaymentBadge_OutsideCheckout_Pink_thumb_3CE53545.png 640w, https:\/\/blog.citrus-lime.com\/balf\/wp-content\/uploads\/sites\/10\/2021\/10\/Klarna_PaymentBadge_OutsideCheckout_Pink_thumb_3CE53545-300x150.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p><strong>Klarna available In-store, Online and Click &amp; Collect:<\/strong><\/p>\n\n\n\n<p>We have partnered with Klarna to bring you new ways to pay at checkout.<\/p>\n\n\n\n<p><strong>Here\u2019s how it works online:<\/strong><\/p>\n\n\n\n<p><strong>Step 1<\/strong>: Add products to your cart and select \u201cKlarna\u201d when you check out either for home delivery or click &amp; collect.<\/p>\n\n\n\n<p><strong>Step 2<\/strong>: Enter a few personal details.<\/p>\n\n\n\n<p><strong>Step 3<\/strong>: Klarna will send you a link via email or text, which will instantly confirm if you are approved. Then select the finance type and confirm you wish to proceed. <\/p>\n\n\n\n<p><strong>Step 4<\/strong>: Klarna will send you an email confirmation and reminders when it\u2019s time to pay and you can manage your orders and payments in the Klarna app. <\/p>\n\n\n\n<p><strong>Here\u2019s how it works in-store:<\/strong> <\/p>\n\n\n\n<p><strong>Step 1<\/strong>: Let our store colleague know you would like to pay with Klarna.<\/p>\n\n\n\n<p><strong>Step 2<\/strong>: They will need to enter your name, address, email and phone number on your order.<\/p>\n\n\n\n<p><strong>Step 3<\/strong>:  Klarna will send you a link via email or text, which will instantly confirm if you are approved. Then select the finance type and confirm you wish to proceed. <\/p>\n\n\n\n<p><strong>Step 4<\/strong>: Klarna will send you an email confirmation and reminders when it\u2019s time to pay and you can manage your orders and payments in the Klarna app. <\/p>\n\n\n\n<p><strong>Payments information:<\/strong><\/p>\n\n\n\n<p><strong>Pay in 30 days:<\/strong><\/p>\n\n\n\n<p>Make your payment in full 30 days after your purchase is shipped. No upfront payments, no interest, and no fees. No impact on your credit score. Available on all purchases.<\/p>\n\n\n\n<p>Not making your payments on time could affect your ability to use Klarna in the future.<\/p>\n\n\n\n<p>Debt collection agencies are used as a last resort.<\/p>\n\n\n\n<p>You must be 18+ and a UK resident to be eligible for this credit offer.<\/p>\n\n\n\n<p>View Pay Later Terms and Conditions <a href=\"https:\/\/cdn.klarna.com\/1.0\/shared\/content\/legal\/terms\/0\/en_gb\/pay_after_delivery\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>   <\/p>\n\n\n\n<p><strong>Pay in 3 interest-free instalments:<\/strong><\/p>\n\n\n\n<p>Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. Minimum purchase \u00a330, maximum purchase \u00a31,500.<\/p>\n\n\n\n<p>Not making your payments on time could affect your ability to use Klarna in the future.<\/p>\n\n\n\n<p>Debt collection agencies are used as a last resort.<\/p>\n\n\n\n<p>You must be 18+ and a UK resident to be eligible for this credit offer.<\/p>\n\n\n\n<p>View Pay in 3 Terms and Conditions <a href=\"https:\/\/cdn.klarna.com\/1.0\/shared\/content\/legal\/terms\/0\/en_gb\/slice_it_card\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>   <\/p>\n\n\n\n<p><strong>Financing:<\/strong><\/p>\n\n\n\n<p>Conveniently pay for purchases over time with monthly financing. The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout. Klarna will carry out an affordability assessment, and if you pass this, Klarna will perform a hard credit search with a Credit Reference Agency which may affect your credit score. If you are approved they will then create your account and you can manage purchases and set up automatic payments in the Klarna App. <\/p>\n\n\n\n<p>You can choose from 21.9% APR (Fixed)12 month, 24 month or 36 month options. Minimum purchase \u00a3250, maximum purchase \u00a310,000. For purchases over \u00a310,000 <a href=\"https:\/\/www.balfesbikes.co.uk\/pages\/contact\">contact us<\/a>.<\/p>\n\n\n\n<p>Klarna finance purchases over \u00a31,000 will require a minimum deposit:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>Purchase amount<\/td><td>Deposit required<\/td><\/tr><tr><td>\u00a3250-1000<\/td><td>No Deposit<\/td><\/tr><tr><td>\u00a31000-5000<\/td><td>10% min, 50% max <\/td><\/tr><tr><td>\u00a35000-10000<\/td><td>20% min, 50% max<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>Representative example for \u00a3800 purchase on 12 month 21.9% APR (Fixed):<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>Cash Price<\/td><td>\u00a3800.00<\/td><\/tr><tr><td>Deposit<\/td><td>\u00a30.00<\/td><\/tr><tr><td>Total amount of credit<\/td><td>\u00a3800.00<\/td><\/tr><tr><td>Agreement duration<\/td><td>12 Months<\/td><\/tr><tr><td>Interest rate<\/td><td>21.9% APR (Fixed)<\/td><\/tr><tr><td>Representative APR<\/td><td>21.9%<\/td><\/tr><tr><td>12 monthly payments of<\/td><td>\u00a374.75<\/td><\/tr><tr><td>Total interest<\/td><td>\u00a393.40<\/td><\/tr><tr><td>Total amount payable<\/td><td>\u00a3893.40<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Late or missing repayments may 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.<\/strong><\/p>\n\n\n\n<p>Balfe&#8217;s Bikes Limited is authorised and regulated by the Financial Conduct Authority, registration number 921647, and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna  Klarna Financial Services UK Limited.  Finance is only available to permanent UK residents aged 18+ years, subject to status, terms and conditions apply.<\/p>\n\n\n\n<p>Balfe&#8217;s Bikes Limited, Unit 2 James Watt Way, Crawley, West Sussex, England, RH10 9TZ.<\/p>\n<\/div><\/div>\n\n\n\n<p><strong>Important notice:<\/strong> <\/p>\n\n\n\n<p>Not making your finance payments on time could affect your ability to use Klarna in the future and affect your credit score.<\/p>\n\n\n\n<p>Debt collection agencies are used as a last resort.<\/p>\n\n\n\n<p>You must be 18+ years old and a UK resident to be eligible for all credit offers.<\/p>\n\n\n\n<p>Balfe&#8217;s Bikes Limited is registered in England and Wales, company number 07584071. Registered office Unit 2 Camino Park, James Watt Way, Crawley, West Sussex, England RH10 9TZ.<\/p>\n\n\n\n<p>Balfe&#8217;s Bikes Limited is authorised and regulated by the Financial Conduct Authority, registration number 921647, and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited. Please note that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+ years, subject to status, terms and conditions apply.<\/p>\n\n\n\n<p>Klarna Financial Services UK Limited (\u201cKlarna\u201d) is authorised and regulated by the Financial Conduct Authority (\u201cFCA\u201d) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 1021834). Klarna provides both regulated and unregulated products. Klarna\u2019s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.<\/p>\n\n\n\n<p><strong>Frequently asked questions<\/strong><\/p>\n\n\n\n<p>Visit Klarna\u2019s FAQ (<a href=\"https:\/\/www.klarna.com\/uk\/customer-service\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.klarna.com\/uk\/customer-service\/<\/a>) page to find out more about using Klarna.<\/p>\n\n\n\n<p><strong>About Klarna:<\/strong><\/p>\n\n\n\n<p><strong>Pay online or in the app<\/strong><\/p>\n\n\n\n<p>Review your latest purchases and make payments in the Klarna app or online.<\/p>\n\n\n\n<p>\u25cf Download the Klarna app:&nbsp;<a href=\"https:\/\/www.klarna.com\/app\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.klarna.com\/app<\/a><\/p>\n\n\n\n<p>\u25cf Log in online:&nbsp;<a href=\"https:\/\/app.klarna.com\/login\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/app.klarna.com\/login<\/a>.<\/p>\n\n\n\n<p>\u25cf Chat with customer service:&nbsp;<a href=\"https:\/\/www.klarna.com\/uk\/customer-service\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.klarna.com\/uk\/customer-service\/<\/a><\/p>\n\n\n\n<p><strong>Safe and secure<\/strong><\/p>\n\n\n\n<p>With Klarna, you are always covered through Klarna\u2019s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases. <\/p>\n\n\n\n<p><strong>General info about Klarna<\/strong><\/p>\n\n\n\n<p>\u25cf 11 million+ UK, 100 million global shoppers are actively using Klarna.<\/p>\n\n\n\n<p>\u25cf 60,000 UK, 720,000 global retailers are working with them worldwide.<\/p>\n\n\n\n<p>\u25cf They have been powering online checkouts for 20 years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Klarna available In-store, Online and Click &amp; Collect: We have partnered with Klarna to bring you new ways to pay at checkout. Here\u2019s how it works online: Step 1: Add products to your cart and select \u201cKlarna\u201d when you check out either for home delivery or click &amp; collect. Step 2: Enter a few personal<\/p>\n","protected":false},"author":31,"featured_media":372,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"categories":[5],"tags":[61,60,63,59,62],"class_list":{"0":"post-371","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-advice","8":"tag-buy-now","9":"tag-finance","10":"tag-interest-free","11":"tag-klarna","12":"tag-pay-later"},"featured_image_src":"https:\/\/blog.citrus-lime.com\/balf\/wp-content\/uploads\/sites\/10\/2021\/10\/Klarna_PaymentBadge_OutsideCheckout_Pink_thumb_3CE53545.png","author_info":{"display_name":"Balfe's Bikes","author_link":"https:\/\/blog.citrus-lime.com\/balf\/author\/willw\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Klarna: Frequently Asked Questions - Balfes Bikes Blog<\/title>\n<meta name=\"description\" content=\"By using Klarna you can pay for your items in a way that suits you. 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