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Financing with Klarna

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

Shop now and pay over 6, 24, 36 or 48 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, iPhone or Apple Watch 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.

We are also delighted to offer Easy Upgrade, a new way to finance your tech with the built-in option to trade-in and upgrade at the end of your term. If you'd like more detail on how it works, click 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

MacBook Pro. From £27.90 per month.

Financing by Klarna. Representative examples based on MacBook Pro with Apple M1 chip at £1,234.05

NOTE - 0% is ONLY available when purchasing a Mac over £1,000

12 months with 0% APRPay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£1,234.05Purchase Price:£1,234.05Purchase Price:£1,234.05Purchase Price:£1,234.05Purchase Price:£1,234.05
Deposit:£010% Deposit*£123.4110% Deposit*£123.4110% Deposit*£123.4110% Deposit*£123.41
Monthly Payment:£102.84Monthly Payment:£190.26Monthly Payment:£50.99Monthly Payment:£35.57Monthly Payment:£27.90
Duration of Agreement:12 mthsDuration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£1,234.05Estimated total:£1,264.04Estimated total:£1,345.94Estimated total:£1,402.59Estimated total:£1,460.81
Promotional Interest Rate:0%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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 £25.75 per month.

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

NOTE - 0% is ONLY available when purchasing a Mac over £1,000

12 months with 0% APRPay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£1,139.05Purchase Price:£1,139.05Purchase Price:£1,139.05Purchase Price:£1,139.05Purchase Price:£1,139.05
Deposit:£010% Deposit*£113.9110% Deposit*£113.9110% Deposit*£113.9110% Deposit*£113.91
Monthly Payment:£94.93Monthly Payment:£175.62Monthly Payment:£47.06Monthly Payment:£32.83Monthly Payment:£25.75
Duration of Agreement:12 mthsDuration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£1,139.05Estimated total:£1,166.73Estimated total:£1,242.34Estimated total:£1,294.62Estimated total:£1,348.38
Promotional Interest Rate:0%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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 £16.59 per month.

Financing by Klarna. Representative examples based on iPad Pro 11-inch at £734.02

Pay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£734.02Purchase Price:£734.02Purchase Price:£734.02Purchase Price:£734.02
10% Deposit*£73.4110% Deposit*£73.4110% Deposit*£73.4110% Deposit*£73.41
Monthly Payment:£113.17Monthly Payment:£30.33Monthly Payment:£21.16Monthly Payment:£16.59
Duration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£751.85Estimated total:£800.57Estimated total:£834.25Estimated total:£868.94
Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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 £7.21 per month.

Financing by Klarna. Representative examples based on iPad at £319

Pay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£319Purchase Price:£319Purchase Price:£319Purchase Price:£319
10% Deposit*£31.9010% Deposit*£31.9010% Deposit*£31.9010% Deposit*£31.90
Monthly Payment:£49.19Monthly Payment:£13.18Monthly Payment:£9.20Monthly Payment:£7.21
Duration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£326.75Estimated total:£347.92Estimated total:£362.53Estimated total:£377.63
Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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 £17.43 per month.

Financing by Klarna. Representative examples based on iPhone 13 at £771.21

Pay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£771.21Purchase Price:£771.21Purchase Price:£771.21Purchase Price:£771.21
10% Deposit*£77.1310% Deposit*£77.1310% Deposit*£77.1310% Deposit*£77.13
Monthly Payment:£118.90Monthly Payment:£31.87Monthly Payment:£22.23Monthly Payment:£17.43
Duration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£789.95Estimated total:£841.12Estimated total:£876.53Estimated total:£912.98
Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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 £8.18 per month.

Financing by Klarna. Representative examples based on Apple Watch Series 7 at £361.62

Pay over 6 monthsPay over 24 monthsPay over 36 monthsPay over 48 months
Purchase Price:£361.62Purchase Price:£361.62Purchase Price:£361.62Purchase Price:£361.62
10% Deposit*£36.1710% Deposit*£36.1710% Deposit*£36.1710% Deposit*£36.17
Monthly Payment:£55.76Monthly Payment:£14.94Monthly Payment:£10.43Monthly Payment:£8.18
Duration of Agreement:6 mthsDuration of Agreement:24 mthsDuration of Agreement:36 mthsDuration of Agreement:48 mths
Estimated total:£370.40Estimated total:£394.41Estimated total:£410.96Estimated total:£428.02
Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%Promotional Interest Rate:9.90%

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. *A minimum deposit is required but is variable and based on borrowers circumstances. 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..

 

Do you offer a financing plan?

We have partnered with Klarna to offer credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over 6,12, 24 or 36 months.

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

How do I place an order using Financing with Klarna?

To purchase with Klarna Financing, add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start your application for Klarna Financing. You will be asked to provide information about yourself which is required to check your eligibility. If you are approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application and you won't have to leave our website.

Am I eligible?

To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances. A full credit search will also be performed when you apply for a Klarna Financing agreement.

What details do I need to provide when I make my purchase?

You will need to provide your name, billing address, email address and phone number, as well as your employment and bank details.

Will I be required to pay anything when I apply?

In some cases, you may need to pay a portion of the balance as a deposit up front. If this is the case, you will be prompted to make a deposit as part of the Financing application.

If I make my purchase on a Klarna Financing plan, will I pay interest?

Our Financing options are credit plans with repayment terms ranging between 6-36 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month.

Can I set up automatic monthly repayments?

During the Klarna Financing application you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will debit your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything. It is important to ensure that you have enough funds in your account to cover the repayments on your due date each month.

Will I receive an email confirmation when purchasing with Klarna Financing?

If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you receive all Klarna communications related to your Financing plan.

If I apply for Klarna Financing, will this affect my credit score?

When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can contact Klarna’s customer support team.

What if I am late or miss a payment?

Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna Customer Service via the support section of the Klarna app or via Klarna’s customer support page.

I purchased my item on a Klarna Financing plan and I would like to return it.

Please contact our support team at info@krcs.co.uk to process your return. Once your return has been processed your Klarna Financing plan will be adjusted.

How long will it take until I receive my refund?

As soon as we have registered your cancellation or your return, we will credit the balance back to you or process a refund.

I still have questions about Klarna Financing.

Please visit Klarna’s Customer Service page for a full set of FAQs. Alternatively, you can contact Klarna via live chat from their website, by downloading the Klarna app or over the phone.



Terms and Conditions

In cooperation with Klarna Financial Services UK Limited, 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. 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 Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. For more information, please visit www.klarna.com/uk/terms-and-conditions.


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.