Whitney Apple
Brief

WHO IS KLARNA?
Klarna is a global payment and shopping provider that takes end-to-end responsibility for your payment. Klarna allows shoppers to buy now and pay later at more than 200,000 retailers around the world. Learn more.

WHAT ARE 4 INTEREST-FREE INSTALMENTS FROM KLARNA?
When you pay in 4 interest-free instalments with Klarna, your purchase is split into 4 payments automatically charged to your debit or credit card every 2 weeks. There is no interest and no fees when payments are made on time. It’s that easy.

IS THERE A COST FOR PAYING IN 4 INTEREST-FREE INSTALMENTS?
There are no added costs or upfront fees when using this payment option. A late fee may be charged for payments made after the due date. View terms here.

WILL THIS IMPACT MY CREDIT SCORE?
When you use Klarna to split your purchase into 4 interest free payments, Klarna will run a soft credit check. This soft credit check won't affect your credit score, it will just help Klarna confirm you pay your bills on time.

WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?
As soon as we have received and accepted your cancellation or return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

WHY HAVE I NOT BEEN OFFERED PAY IN 4 INTEREST-FREE INSTALMENTS?
Eligibility to pay in 4 interest-free instalments with Klarna is generated by algorithms that consider a number of factors. All orders are assessed individually, and if you have been accepted for a Klarna payment method before, it does not mean it will be offered for every order. In turn, being denied once does not mean you will be denied for all future orders.

HOW DO I PAY FOR MY ORDER?
As soon as your order is shipped, you will receive an email from Klarna outlining your payment schedule. Payments will be automatically withdrawn from the debit/credit card you provided at checkout.

WHEN IS MY PAYMENT DUE?
The first ¼ of your payment is due when your order has shipped. The remaining three payments will automatically charge every two weeks. Your payment schedule is sent via email and you can also access your payment schedule in the Klarna app by clicking on ‘Spending’, choosing the order you want to see, and then clicking on ‘Show Plan’.

CAN I PAY BEFORE THE DUE DATE?
Yes. Just open the Klarna app or log onto https://app.klarna.com/ to pay off your balance early.

IS MY PAYMENT INFORMATION SAFE?
Your payment information is processed securely by Klarna. No payment details are shared with Tony Bianco. All transactions take place via connections secured with the latest industry standard security protocols.

I STILL HAVE QUESTIONS REGARDING PAYMENT, HOW CAN I GET IN TOUCH?
Chat with our support team 24/7 in the Klarna app or review Klarna’s Customer Service page for a full list of FAQs.

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