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Klarna Payments

Part 1: How it works

Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. 

Klarna Finance Banner

*Representative example: Representative APR (variable) 18.9% APR
with an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a.

Here’s how it works:

Step 1
Add products to your cart and select “Klarna” when you check out

Step 2
Enter a few personal details and you’ll know instantly if you’re approved

Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay
and you can manage your orders and payments in the Klarna app.

Part 2: Payments Information

Pay in 3 interest-free instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions

Pay In 3

Financing - Spread the Cost Over 6, 12 or 24 Months

Apply for monthly payments on finance during checkout. It’s a user-friendly application process with an instant decision. If approved, you can manage your payments and get payment reminders in the Klarna App.

Spread The Cost 

*Representative example: Representative APR (variable) 18.9% APR
with an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a.

SMS Food Equipment is authorised and regulated by the Financial Conduct Authority and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ).

Please note that the following products are not regulated by the FCA: 'Pay in 3 instalments'.

Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.

Part 3: About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Frequently asked questions

Visit our FAQ page https://www.klarna.com/uk/customer-service/ to find out more about using Klarna.

About Klarna

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you love.

  • More than 90 million shoppers are using Klarna.
  • 200,000 retailers are working with us worldwide.
  • We're one of Europe's largest banks and we’ve been powering online checkouts for 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.