Available for UK purchases only
SPREAD THE COST UP TO 36 MONTHS*
on baskets over £250
*Spread the cost from 6 months - 36 months – you choose the term
* 19.9% APR interest on terms of 6 months - 36 months
Late or missing repayments may have serious consequences for you and cause you serious money problems.
How do I use Spread the cost?
When you shop online, Klarna's system reviews each order to determine which payments options are available to you. If Spread the cost is offered, simply select this option. The first time you shop with Spread the cost you will be asked in to apply for a Klarna Account. If you're approved Klarna will create an account for you and your order will be placed. Every time you shop with Spread the cost after that, you only need to agree to the purchase and won't need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans.
Can I pay less than the amount owed each month?
Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account.
Do I need to be 18?
Spread the cost is only available to people aged 18 or over and is an online exclusive payment method.
How do I manage my Klarna Account?
Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna's Customer Service team.
How is my statement sent?
If you chose to use Spread the cost, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have been landed on your Klarna Account overview page, simply select 'Make a payment' and enter the amount you wish to pay towards your balance.
How do I make a payment?
First, log in at www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select 'Make a payment' and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna's Customer Service here.
I have asked for a refund. How will I be refunded?
If you have paid for your order with card, the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting our Customer Service.
I've received my monthly statement and a payment is due, but I've not yet received my goods.
You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact our Customer Service so that we can postpone the due date on your payment.
*Subject to financial circumstances. You must be at least 18. Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431. If you already have a Klarna Credit account, this purchase will be added to your balance.
Spread the Cost: With the financing service from Klarna you can pay your purchase in flexible or fixed monthly instalments according to the conditions stated in the checkout. The instalment payment is due at the end of each month after submission of a separate monthly invoice by Klarna. Further information regarding spreading the cost including terms and conditions and Standard European Consumer Credit Information you can find here.
Spread the Cost is only available in case of a positive credit assessment. For this purpose, during the order process and handling of your purchase, we forward your data for an address and credit check to Klarna. We can only offer you the payment methods available based on the result of the credit check. General information about Klarna and the user terms per country can be found on klarna.com. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy statement.