At the point of purchase we’ll freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we've received confirmation that your items have been shipped, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, we’ll unfreeze your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.
The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment.
The dates these payments are due will be sent to you by email, and you’ll be able to check them in our app.
Sometimes the shop (online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order. If you extend the due date for your payments at any stage in the process, additional fees may be payable.
WARNING: if you do not make your repayments we may engage a debt collection agency to collect money owed from you. Not meeting repayments may also affect your ability to use Klarna in the future.