Klarna

Klarna is a payment service that helps you buy the things you want or need — safely and flexibly. Over 150 million people worldwide use Klarna at more than 450,000 online stores.

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchase over three equal interest-free payments. Payments are taken automatically from your debit or credit card, so there’s no need to worry about missing one.

Klarna takes the first payment when you make your purchase, the second 30 days later, and the final payment 60 days after your purchase date. You can view both past and upcoming payments at any time using the Klarna app.

You must be at least 18 years old and a UK resident to use Klarna’s credit products, including Pay in 3. When you choose Klarna, they’ll check the information you provide as well as your financial situation before approving your purchase.

Yes. If you see Klarna’s Pay in 3 option at checkout, it’s available for you to use. Each time you use Pay in 3, Klarna will review your eligibility before approving an additional purchase.

Klarna bases its decision on several factors, including:

• The purchase amount
• Your previous order history
• The accuracy of your personal details

You can improve your chances of being offered Pay in 3 by providing your full name, accurate address details, and using your registered billing address for delivery.

All orders are assessed individually. Acceptance for one purchase does not guarantee approval for future ones, and if an application is declined, it doesn’t mean future applications will be.

To use Klarna’s Pay in 3, you’ll need to share your:

• Phone number
• Email address
• Current billing address
• Debit or credit card details

If Klarna needs to contact you urgently, they’ll use the phone number you provided. Any other information will be sent to your email address.

Yes. When you use Pay in 3, Klarna will perform a credit search to assess whether your purchase can be approved.

Klarna will automatically take your Pay in 3 payments from the debit or credit card you used when making your purchase:

• First payment: When you make your purchase
• Second payment: 30 days later
• Final payment: 60 days from the purchase date

You can view past and future payments anytime using the Klarna app.

Yes. You can make early payments at any time by visiting the Klarna app or logging in at www.klarna.com/uk.

Yes. Your payment information is processed securely by Klarna. No card details are transferred to or held by Sterling Home. All transactions take place over secure, encrypted connections using the latest industry-standard security protocols.

Klarna will notify you by email, SMS, or push notification when a payment is due and when one has been received.

You can always check your order and payment status in the Klarna app or by logging in at www.klarna.com/uk.

Pay in 3 is a credit product, so you must make your scheduled payments to Klarna.

Your payments are automatically withdrawn from your connected card or bank account according to your agreed payment schedule. Klarna will send you multiple friendly reminders before each due date so you can ensure you have enough funds available.

If a payment fails, you may be charged a late fee, in line with Klarna’s terms and conditions.

If you miss payments, you’ll fall into arrears as Pay in 3 is a credit product.

Klarna may share details of missed payments with credit reference agencies, which could make it harder or more expensive to access credit in the future.

Klarna may also refer unpaid debt to a debt collection agency acting on their behalf. This information will also be shared with credit reference agencies.

You can log in to the Klarna app or visit www.klarna.com/uk to view all your orders and payment schedules.

If your goods haven’t arrived, please contact us to check your order and delivery status.

You can also contact Klarna Customer Service to postpone your payment due date or place the order on hold in the Klarna app while you wait for your delivery.

Once Sterling Home confirms your cancellation or return with Klarna:

• Any future scheduled payments will be cancelled
• Any payments you’ve already made will be refunded

You’ll see your return and any refund details directly in the Klarna app.

Once the store has registered your cancellation or return, refunds are typically processed within 5 business days.

Refunds are issued to the same debit or credit card used at checkout.

Once Sterling Home has received your return and Klarna has received confirmation, Klarna will:

• Cancel any future payments
• Refund any payments already collected

You can monitor your order status anytime in the Klarna app.

If you return only part of your order: when Sterling Home confirms a partial return, Klarna will update your statement and adjust your payment schedule. An updated statement will be sent to you, and you can view it anytime in the Klarna app.

Yes. Pay in 3 is now available in all Sterling Home stores on purchases up to £2,000 — see the Klarna in store section above for how it works.

Pay in 3 is available on in-store purchases up to £2,000. As with using Klarna online, each purchase is assessed individually, so the amount Klarna offers you may be lower — you can check your spending power at any time in the Klarna app. A minimum spend applies.

Your Klarna card is single-use and valid for 24 hours from when you create it — so you can also set it up at home before visiting. If your purchase comes to more than the amount on your card, simply delete it in the app and create a new one for the right amount.

Exactly as they do online: the first payment is taken when you make your purchase, the second 30 days later, and the final payment 60 days after the purchase date — all interest-free when you pay on time.

Return your item in store as normal. If your Klarna card is still in your phone’s wallet, tap it when the store processes your refund — Klarna will cancel any future payments and refund anything you’ve already paid. If you no longer have the card, the store will process your refund to a card of your choice. Your Klarna plan will remain active until paid in full.

For questions about your Klarna account, payments, or an approval decision, use the live chat in the Klarna app (available 24/7) or call Klarna Customer Service free on 0808 189 3333, Monday to Saturday, 9am–6pm. Our store colleagues are happy to help with anything about your order itself.