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Pay Later in 3 with Klarna makes your monthly budgeting even easier by letting you spread the cost of  your order over three equal monthly instalments. 

Got a question about Pay Later in 3 with Klarna?

Who can use Pay Later in 3 with Klarna?
When can I use Klarna to place an order?
How do you pay using Pay Later in 3 with Klarna?
How does paying off instalments work?
Is paying with Klarna safe?
Can I return or cancel an order placed using Klarna?
Having trouble paying with Klarna Pay Later in 3?

Who can use Pay Later in 3 with Klarna?

You can sign up to Klarna if you:

• Are over the age of 18, depending on your financial circumstances.
• Have a billing address registered in the UK, for orders delivered in the UK and internationally. Unfortunately, Klarna isn't available for customers based outside the UK.

All orders are assessed individually and rely on you providing your full name and accurate address details. Just because you've been accepted for a Klarna payment before doesn't mean you'll be accepted for every order and in turn, if you're rejected, it doesn't mean you'll be rejected for all future orders.

When can I use Klarna to place an order?

• Choose Klarna as your payment method at checkout for orders between £25 and £1,000.
• Klarna is only available in GBP pound sterling.
• You can't purchase Ann Summers gift cards using Klarna.

How do you pay using Pay Later in 3 with Klarna?

• At checkout, select Klarna as your payment method.
• You'll be asked to provide your mobile phone number, email address, current billing address and a debit or credit card.

How does paying off instalments work?

• Orders are paid for in three monthly instalments.
• You'll be asked to pay the first of the three instalments once your order has been confirmed at checkout.
• Instalments two and three will automatically be collected from the debit or credit card you entered at checkout 30 and 60 days later, respectively.
• You'll receive a reminder from Klarna two days before each instalment is collected. Keep track of your payment schedule in the Klarna app.
• If you miss one of your scheduled instalments and Klarna is unable to automatically withdraw the money from your account two days later, you'll be issued with a statement for the full amount due, to be paid 15 days later. You can find out more on missed Klarna repayments here.

Is paying with Klarna safe?

Yes. Payment information is processed securely by Klarna. No card details are transferred to or held by Ann Summers. All transactions take place via connections secured with the latest industry standard security protocols.

Can I return or cancel an order placed using Klarna?

• You can return any order or item paid for using Klarna, as long as it meets our Returns Policy.
• If your order can still be cancelled, or you've returned your Klarna purchase and we've processed your refund, Klarna will cancel any future scheduled payments as well as refund any amounts due.
• The return will be reflected in the Klarna app immediately and you'll receive your refund within 5-7 working days.

Having trouble paying with Klarna Pay Later in 3?

• Klarna may have rejected your application to pay on account. We'd recommend placing an order for a smaller amount (minimum £30) or choosing another payment type.
• Klarna may not have been able to check your details using the billing address you've provided. Make sure your billing address is the same address that your bank/credit cards are registered to.
• You may have missed a required field at the checkout, such as filling in your date of birth.
• You may have outstanding payments on previous Klarna purchases. Once these are paid off, try Pay Later in 3 with Klarna again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through Klarna again.

Just one more thing...

Klarna's Pay in 3 is an unregulated credit agreement. 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. Ts&Cs and late fees apply.