When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. When approved, you can manage your payments and get payment reminders in the Klarna app.
Pay in 3 instalments
Split your purchase into three equal payments so you can spread the cost of your purchase. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest or fees. No impact to your credit score.
How to shop with Klarna
Add item(s) to your cart and head to the checkout.
Select Klarna at the checkout to pay for your purchase.
Manage your orders and payments in the Klarna app.
Frequently Asked Questions
What happens if I make a return?
If you return some or all of your order, Klarna will issue you with a new statement as soon as your return has been processed. Follow the return instructions and make sure to keep the tracking number of your return. Log into your Klarna account and select “Report a return” so that your statement is paused. As soon as your return has been registered, we will send an adjusted invoice.
There's something wrong with my order. Do I still need to pay for it?
You do not need to pay for goods that are received damage, broken or faulty. Make sure to “Report a problem” in your Klarna account to pause your statement until you’ve resolved the dispute. As soon as your cancellation or return is registered, the refund will be processed within 5-7 business days.
I have not received my order. What happens to my statement?
You do not need to pay the statement until you have received your order. Make sure to log into your Klarna account and “Report a problem” to pause your statement until you’ve received your order.
My statement is incorrect. What should I do?
If your statement does not match your order details, please contact Seams& for a correction of your statement. Make sure to log into your Klarna account and “Report a problem” to pause your statement until the details have been corrected.
What happens if I don’t pay for my Pay in 3 instalments order?
Klarna will automatically attempt to collect your second instalment from the debit or credit card that you entered at checkout. If the payment cannot be collected on the scheduled due date Klarna will make a further attempt to automatically collect payment 7 days later and again 7 days afterwards. Should this last payment attempt fail, Klarna will add the failed amount to your final instalment. Klarna will automatically attempt to collect your final instalment from the debit or credit card that you entered at checkout. If the payment cannot be collected on the scheduled due date Klarna will make a further attempt to automatically collect payment 7 days later and again 7 days afterwards. Should this last payment attempt fail, Klarna will issue you with a statement for the full outstanding order amount which will become payable 15 days later. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use the service in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.
Credit is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Please note 'Pay in 3 instalments' is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status. Ensure you can afford to make your repayments on time by the due date.