Are you thinking of adding some new garden furniture to your collection? Unfortunately, outdoor furniture can be quite expensive, that’s where financing comes in. Klarna offers you flexibility and transparency with their financing plans while you get to enjoy your new garden furniture even when it’s not fully paid yet.
Curious about using Klarna for your next garden furniture purchase? Read on.
What or who is Klarna?
Klarna is a Swedish financing program that allows you to delay your payment up to 30 days after the furniture was delivered to your home or offers you the option to break up the full amount into three equal instalments.
This way, you get to take your furniture home now and pay later after you’ve planned the financing. Paying immediately doesn’t have to suit you, you can choose to either delay or even break up the payment into three smaller instalments. The choice is yours.
How does Klarna work?
Klarna offers you two different payment options. Here is a short breakdown of how they work:
- Pay within 30 days
If you select this method, you will have 30 days after delivery of your furniture to pay in full. How you pay is your choice. You can choose to pay a small amount every day for 30 days or you can pay the full amount anytime during these 30 days. If you live in the UK, there will be no additional fees or penalties applied for late payments, but it will still affect your credit score.
- Pay in 3 instalments
If you select this option, you will need to pay 3 equal instalments on your furniture. You will pay one-third of the full price at the checkout. After the initial payment, you will need to pay another third in 30 days after the initial purchase. The last payment is due 60 days after the initial purchase and will cover the full amount.
No extra fees, interest or late charges apply to you if you choose to use this option. Again keep in mind that late payments will lead to a bad record on your credit score.
What garden furniture can you buy with Klarna?
The variety of garden furniture you’ll get to choose from will depend on the company you buy from. Different companies will have different selections. Generally, you will have options that include rattan patio sets, daybeds, ice bucket sets, fire pit sets, patio heaters, and other accessories.
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Who can pay with Klarna?
Anyone over the age of 18 is allowed to use the Klarna options. If you don’t live in the UK additional fees might apply.
To use the Klarna options you will need to provide some of your personal information. If you’re unwilling to do this, Klarna might not be the best option for you. You also don’t have to feel forced to use Klarna, you can opt to pay in full at the checkout.
Before you’re allowed to use Klarna, you will also be eligible for a soft credit check. This means that Klarna will get access to your credit information without leaving any record on your file.
Klarna privacy and security measures you should be aware of
Klarna takes great care to treat any customer information with the utmost care. This means that your privacy is assured and that your information will be protected. Even if you opt to use an online store instead of a physical store, your information will still be secure and protected.
If you’re worried about your Klarna payments, you can go to the Klarna website and log into your account. There you should be able to find your payment history as well as the schedule for any future payments.
If you’re worried about how your information will be protected, you can visit the Klarna website for full disclosure here.
What happens if I return my order?
If your order was returned and a full refund requested, all payments made to Klarna will be paid back to you in full.
Do I pay interest with Klarna?
No, Klarna offers interest-free credit. There will be no additional fees, interest or penalty fees for anyone living in the UK.
Does Klarna affect your credit score?
Yes, If your payments are late or you miss a payment it will affect your credit score. Otherwise, Klarna will not affect your score.