Klarna Frequently Asked Questions

We have partnered with Klarna to offer interest-free credit as an option when purchasing with us online or instore. With the Klarna Financing payment plan, you can spread your payments over 12, 24 or 36 months. You can pay in three instalments or pay in 30 days.

When shopping online, 12 month credit terms require a minimum spend of £500, 24 months £1,000 and 36 months £1,500. A deposit of 10% must be paid directly to Klarna at the point of application. Pay in 30 days is available for spends between £35 to £200. Pay in three is available for spends between £200 and £1,000, the first instalment must be paid directly to Klarna at the point of application. The maximum value is £5,000 across all possible term lengths.

In store, we offer monthly repayment options of 12, 24, and 36 months, for orders over £400, £800 and £1,200. You can also choose to pay in three instalments with orders over £200, so you can choose the option that best suits you. A 10% deposit is required and must be paid directly to Klarna at the point of application. All applications must be made with personal details and not business details. The maximum value is £5,000 across all possible term lengths.

Late or missing repayments may have serious consequences for you and cause you serious money problems. 18+, T&Cs apply.

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.

Purchasing with Klarna Financing is simple. Add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Klarna” payment method. This will start your application with Klarna Financing. You will then be asked to provide some basic information, followed by details required to check your eligibility. If you’re approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application and you won't have to leave our website.

You will need to provide your name, billing address, email address and phone number, as well as some basic employment and bank details.

Yes, you will be required to pay a 10% deposit when placing your order during the application process. For pay in three, the first instalment must be paid directly to Klarna at the point of application.

Our interest-free offer means that you won’t have to pay interest. The monthly instalments will be collected automatically from your bank account via Direct Debit. Please ensure you have enough funds in your account to cover the repayment on your due date.

To be eligible for Klarna credit products you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of your nancial circumstances and a full credit search.

When you apply for financing with Klarna, Klarna will make a full credit search with credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit le, whether or not credit is granted. This record will also be visible to third parties and may affect other organisations’ future decisions on whether or not to provide you with credit. For any questions relating to the credit check process, contact Klarna’s customer support team.

Your monthly payment must reach Klarna by the payment due date. For missed payments on Pay in 3 / Buy Now Pay Later plans - late fees will apply.

Klarna will also report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you and cause you serious money problems. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate the Agreement and assign or sell the debt to a debt collection agency who will become responsible for recovering the debt themselves.

If you are having trouble making repayments, please get in touch with Klarna customer service via the support section of the Klarna app or via Klarna’s customer support page.

If you have selected the Klarna financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you can receive Klarna’s communications.

During the Klarna financing application you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will draw your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything.

As soon as the store has registered your cancellation or your return, we will credit the balance back to you or process a refund within the next 5 business days.

I purchased my item on a Klarna Financing plan and I would like to return it. Please contact our support team to process your return. Once your return has been processed your Klarna financing plan will be adjusted.

Please visit Klarna’s customer service page for a full set of FAQs. Alternatively, you can contact Klarna via live chat from their website, by downloading the Klarna app or over the phone at 0808 189 333.

Late or missing repayments may have serious consequences for you and cause you serious money problems.

Topps Tiles is authorised and regulated by the Financial Conduct Authority (FCA FRN 1021834) and acts as a credit intermediary and not a lender, offering credit products provided [exclusively by Klarna Financial Services UK Limited] [by a limited number of finance providers, including Klarna Financial Services UK Limited]. Please note that [Pay in 3 instalments] [and] [Pay in 30 days] agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs and late fees apply. Klarna.com/uk/terms-and-conditions