We have teamed up with Klarna and PayPal to offer you easy and importantly interest free ways to spread the cost of your purchase with us*.
When you check out, you can select the 'Buy now, Pay later with Klarna' option on the Payment screen which will redirect you to complete the checkout on the Klarna portal. Here you can choose between deferring payment for 30 days, or a Pay Later option to spread the cost over 3 equal payments.
Will Klarna affect my credit report?
Short answer is no for the options we provide and here is a statement by Klarna explaining why:
"To use ‘Pay 30 days later’ or ‘Instalments’, a soft credit check is undertaken by Klarna on the customer. This does not leave a record on their credit file that will either impact the customer’s credit score or is visible to other lenders. For a customer’s credit file to be impacted, a lender would have to submit missed payment information to the credit reference agency (CRA). Klarna does not report missed payments to the CRA in relation to these products. It is therefore not accurate to say that “Klarna’s ‘Pay later’ schemes damaging millions of shoppers’ credit scores”. To date, a customer’s credit score has not been impacted by using Klarna’s ‘Pay later’ products even if they have failed to pay on time."
PayPal Pay in 3:
When checking out using the PayPal portal, you will be greeted with an option to spread the cost of your purchase over 3 equal instalments. PayPal 'Pay in 3' is subject to credit, late fees apply.
For a full breakdown of the T&Cs visit our Terms & Conditions page under 'Section 21' for more details.
Disclaimer: *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.