Klarna Pay later in 3
“Klarna's Pay in 3 /Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply
Who is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than
200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.
How does Pay later in 3 interest-free instalments work?
Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will
automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by
Kathryns and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.
Am I eligible for Pay later in 3 interest-free instalments?
To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to
your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?
Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item
availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and
accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna
payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current
billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's
very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
Will a credit search take place against me?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring. Neither Klarna nor Kathryns run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later in 3 interest-free instalments?
Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option
is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online
store, previous order history and item availability.
What are my payment options with Klarna?
Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is
taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor
your payments’ schedule in the Klarna app.
What happens if I cancel or return my order?
As soon as Kathryns have accepted your cancellation/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.
What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Kathryns from the debit or credit card
you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect
payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15
days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in
Klarna app at your convenience.
General Questions
Q: “Do you have a high street store?”
Yes and we would love to see you, visit us at 635 Prescot Road, Liverpool, L13 5XA
Q: “Are the goods genuine ?”
Yes we are a official stockist for all the brands listed on the website, we have been one of the leading childrenswear retailers for over 40 years.
Q: “Do Kathryns offer a refund or exchange?”
Yes we offer a 14 day returns period from the day you receive the goods
Q: “Are returns free?”
Yes when a item is not in any promotional sale we will provide a prepaid label to return your goods with no cost
Q: “Sizing questions”
If you require any sizing advice you can call us on 0151 601 7972 or email us team@kathrynsonline.co.uk and we would be happy answer your questions
Q: “Who is Kathryn?”
Kathryn is the owner and proud mother of 2 girls who are also involved in the business.
Shipping
Q: “When will I get my order”
Visit our delivery page for more time scales but if you are in the Uk you have the choice of standard delivery 3-5 days or next day express delivery
Q: “Do you use any other couriers”
We try to keep shipping costs as low as possible however if you prefer a different courier than royal mail we can quote you for this if you drop us an email
Q: “Why have I been asked to pay import costs”
Since leaving the EU any orders leaving the Uk would be liable to import costs at your receiving country. We are unable to quote these costs in advance as they vary between destinations but your local tax office should beable to assist.
Q: “Do you offer express international shipping?”
Yes we partner with DHL to offer express deliverys worldwide.