Shop Stress-Free: Experience Klarna Pay in Three instore or online
Need a new phone, laptop or electronic device urgently but you’re waiting for payday or just can’t afford the cost outright? The Techout has partnered with Klarna to provide a simple way to buy now, pay later, or to spread the payments with no fees and no interest.
It really is that easy – you can choose the pay in 30 days option or pay in three instalments and you won’t be charged any more than the cost of your purchase.
How does it work?
There is nothing to it. Shop with us and choose the Klarna option at check out and whether you wish to pay in 30 days or three monthly instalments.
The application process is simple and you will get an instant decision. Then download the Klarna app and you can manage your account and payments. Use of Klarna does not affect your credit score.
Pay in 30 days*
If you wish to try before you buy or are waiting for pay day, but need a new phone or device now, this option is perfect for you.
You only pay for goods you keep, with no interest or fees and you can pay the outstanding amount at any time up to 30 days through the Klarna app, or return the product if you wish, with no consequences to you or your credit score.
Pay in three instalments*
Paying one larger lump sum in one go isn’t always easy when you have other household bills to pay, so Klarna offers the perfect solution with three monthly payments to spread the cost.
Once again, there is no interest and no extra cost to you – just input the credit or debit card of your choice and then the first payment is taken when your order is confirmed and then the remaining two 30 and 60 days later, job done.
Just three steps
- Add your choice/s to your shopping cart and go to check out
- Select Klarna at the check out and your chosen payment option
- Manage your orders and payments in the Klarna app
The Klarna app
Shop your favourite brands and get alerts for new content and great deals.
Access the latest deals and track price drops.
Manage your payments, report returns and get help from Klarna customer service if you need it.
Is my credit score affected by using Klarna?
Using the Klarna payment options will NOT affect your credit score.
But existing, late and unpaid balances are visible in your credit file to other lenders, so making payments on time will build a positive credit history.
If you use the financing option with three payment instalments, Klarna might perform a check with credit reference agencies, which will show on your credit score to other lenders and might affect it.
If you do not pay in 30 days, you will be in default and may be unable to use the service in the future. As a last resort, Klarna may need to appoint a debt collection agency to recover the debt.
If you choose to pay in three instalments but don’t make the payments, Klarna will make several attempts to collect the payments before issuing you with a statement for the outstanding amount. Failure to pay this may also result in a debt collection agency being contacted, again, only as a last resort.
Important: Please shop responsibly and ensure you can afford the payments and make them on time. Borrowing more than you can afford could seriously affect your financial status and have a big impact on your life when you need credit for other things.
Klarna was founded in Stockholm, Sweden, and is a leading alternative payment provider. Klarna’s vision is to make shopping ‘smoooth’, adding value for consumers and retailers with unique payment options and superior customer experience.
Klarna has 3,000 employees across 17 countries, and is a pioneer in pay later options, with 200,000 merchants working with it across the globe.
Find out more about Klarna
*Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA (Financial Conduct Authority). 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.