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Financing with Klarna

Pay monthly with Klarna, when you shop online at KRCS.

Shop now and pay later over 24 or 36 months with Klarna and KRCS on any purchase over £249. If you are buying a Mac and it costs over £1,000, you can even pay for your Mac over 12 months, interest free!

When you want a new Mac, iPad or iPhone but want to pay monthly, Klarna and KRCS are working together to make your dreams come true. Check out some examples by scrolling down or clicking here.


How to apply:

STEP 1 - Add more than £249 of products to your basket 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



Financing with Klarna

Financing, by Klarna

See how Financing by Klarna works with an example for a MacBook Air at £1,139.05


12 months with 0% APRFinancing in 24Financing in 36
Purchase Price:£1,139.05Purchase Price:£1,139.05Purchase Price:£1,139.05
Monthly Payment:£94.93Monthly Payment:£53.25Monthly Payment:£37.46
Duration of Agreement:12 monthsDuration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£1,139.05Estimated total:£1,278.00Estimated total:£1,348.56
Promotional Interest Rate:0%Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%
NOTE - 0% is ONLY available when purchasing a Mac over £1,000

    

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

MacBook Pro. From £40.58 per month.

Financing by Klarna. Representative examples based on MacBook Pro with Apple M1 chip at £1,234.06


12 months with 0% APRFinancing in 24Financing in 36
Purchase Price:£1,234.06Purchase Price:£1,234.06Purchase Price:£1,234.06
Monthly Payment:£102.84Monthly Payment:£57.69Monthly Payment:£40.58
Duration of Agreement:12 monthsDuration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£1,234.06Estimated total:£1,384.56Estimated total:£1,460.88
Promotional Interest Rate:0%Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%
NOTE - 0% is ONLY available when purchasing a Mac over £1,000

    

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

MacBook Air. From £37.46 per month.

Financing by Klarna. Representative examples based on MacBook Air at £1,139.05


12 months with 0% APRFinancing in 24Financing in 36
Purchase Price:£1,139.05Purchase Price:£1,139.05Purchase Price:£1,139.05
Monthly Payment:£94.93Monthly Payment:£53.25Monthly Payment:£37.46
Duration of Agreement:12 monthsDuration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£1,139.05Estimated total:£1,278.00Estimated total:£1,348.56
Promotional Interest Rate:0%Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%
NOTE - 0% is ONLY available when purchasing a Mac over £1,000

    

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

iPad Pro. From £24.14 per month.

Financing by Klarna. Representative examples based on iPad Pro 11-inch at £734.03


Financing in 24Financing in 36
Purchase Price:£734.03Purchase Price:£734.03
Monthly Payment:£34.32Monthly Payment:£24.14
Duration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£823.68Estimated total:£869.04
Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

iPad. From £10.61 per month.

Financing by Klarna. Representative examples based on iPad at £322.43


Financing in 24Financing in 36
Purchase Price:£322.43Purchase Price:£322.43
Monthly Payment:£15.08Monthly Payment:£10.61
Duration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£361.92Estimated total:£381.96
Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

iPhone. From £23.65 per month.

Financing by Klarna. Representative examples based on iPhone 12 at £719.00


Financing in 24Financing in 36
Purchase Price:£719.00Purchase Price:£719.00
Monthly Payment:£33.62Monthly Payment:£23.65
Duration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£806.64Estimated total:£851.04
Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.

Financing with Klarna

Apple Watch. From £13.18 per month.

Financing by Klarna. Representative examples based on Apple Watch Series 6 at £400.81


Financing in 24Financing in 36
Purchase Price:£400.81Purchase Price:£400.81
Monthly Payment:£18.74Monthly Payment:£13.18
Duration of Agreement:24 monthsDuration of Agreement:36 months
Estimated total:£449.76Estimated total:£474.48
Promotional Interest Rate:11.90%Promotional Interest Rate:11.90%

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

These representative examples display a promotional rate. If you miss your payment, you’ll have to pay interest on all future repayments at 18.9% APR (representative, variable). The assumed credit limit is £1,200 and a purchase rate of 18.9% p.a.


FAQ

Need to know more about Klarna, the application or post-purchase experience? Find out here.

Read more..

 

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 Financing work?

Spread the cost of your purchase into equal monthly payments with 11.90% interest. Financing is a promotional plan on the Klarna Account.

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this option. The first time you shop with Financing you will be asked 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 Financing 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. You can always monitor the payments due in the Klarna App.

I have been asked to go to Klarna's site. Is this correct?

If you have chosen to pay with Financing by Klarna, Klarna will send you an email with further details on how to pay.

Can I pay less than the amount owed each month?

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

Do I need to be 18?

Financing is only available to people aged 18 or over and is an online exclusive payment method.

I live in the Channel Islands or the Republic of Ireland, can I use Klarna?

Financing is currently not available to people in these regions and you will have to use another payment method.

How do I manage my Klarna account?

Log in to the customer portal at www.klarna.com/uk 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 can I increase my chances of being accepted for Financing?

Klarna is unique and offers Pay later 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 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 had Pay later 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.

How is my statement sent?

If you chose to use Financing, 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. You can always monitor the active statements in Klarna app at your convenience.

What do I need to provide when I make a purchase?

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

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.

I haven't received an email with my statement.

Please log in the Klarna app to view the statements or contact Klarna’s Customer Service via live chat or phone.

I have cancelled my order. How long will it take until I receive my refund?

As soon as KRCS have accepted your cancellation/return, then Klarna will make any necessary adjustments to your balance and provide further help if needed.

What happens if I cancel or return my order?

As soon as KRCS have accepted your cancellation/return, then Klarna will make any necessary adjustments your balance and provide further help if needed.

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 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.

I still have questions regarding payment.

Visit Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.



Terms and Conditions

In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you the following payment options. Payment is to be made to Klarna:

· Financing

Further information and Klarna’s user terms you can find here. General information on Klarna you can find here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy statement.

KRCS Group Ltd is registered in England No(s). 1741640 & 2322420. Registered office: KRCS Group Limited, Queens Court, Lenton Lane, Nottingham, UK NG7 2NR. KRCS Group Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 697819) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.


Privacy Policy

In order to be able to offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you. General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy.