Three equal payments are automatically collected every 30 days from your debit or credit card. The total amount charged to your card is no greater than if you simply paid for the entire purchase up front (provided the agreed payment schedule is followed).
HOW DO I USE KLARNA?
- Place an order & head to check out.
- Select Klarna as your payment option – no need to create a Klarna account.
- Place your order and you’re done! Klarna will automatically collect three equal payments, 30 days apart from your debit or credit card with no added charges or hassle. Pretty great, huh!
WHAT YOU NEED TO GET STARTED:
- A UK bank account
- Be 18 years of age or older
- A UK residential address
WHO IS KLARNA?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.
HOW DOES PAY LATER IN 3 INTEREST-FREE INSTALMENTS WORK?
Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.
AM I ELIGIBLE FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.
CAN I HAVE MULTIPLE PAY IN 3 INSTALMENTS ORDERS AT THE SAME TIME?
Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.
WHAT DOES KLARNA CONSIDER WHEN REVIEWING MY APPLICATION?
Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 instalments by ensuring you provide your full name, and accurate address details and arrange to ship to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 instalments is denied, it does not mean it will be denied for future orders.
HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?
Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
WHAT DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?
If you want to purchase something using Klarna’s Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna needs to talk to you urgently they'll use the phone number you've shared. For any other information, Klarna needs to share with you, they'll send this to your email address.
WILL A CREDIT SEARCH TAKE PLACE?
When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
HOW DO I MAKE REPAYMENTS TO KLARNA?
Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.
WHY HAVE I NOT BEEN OFFERED PAY LATER IN 3 INTEREST-FREE INSTALMENTS?
Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.
WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?
Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payment schedule in the Klarna app.
WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?
As soon as Dirtbikexpress has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
I HAVE CANCELED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?
As soon as the store has registered your cancellation or your return, the refund will normally be processed within 5 business days.
WHAT HAPPENS IF I DON’T PAY FOR MY ORDER?
If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future.
Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
I HAVE BEEN ASKED TO GO TO THE KLARNA SITE. IS THIS CORRECT?
You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging in at www.klarna.com/uk.
IS MY PAYMENT INFORMATION SAFE?
Payment information is processed securely by Klarna. No card details are transferred to or held by Dirtbikexpress. All transactions take place through connections secured with the latest industry-standard security protocols.
HOW DO I KNOW KLARNA HAS RECEIVED MY PAYMENT?
Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.
WHAT HAPPENS IF I DON’T PAY FOR MY ORDER ON TIME?
Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may nd it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.
CAN I PAY BEFORE THE DUE DATE?
Yes. Just go to the Klarna app or log onto Klarna.com/uk.
HAVE YOU RECEIVED MY PAYMENT?
Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received the payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at Klarna.
WHAT HAPPENS TO MY STATEMENT, WHEN I'VE RETURNED THE GOODS?
Once Dirtbikexpress has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
I'VE RECEIVED A STATEMENT, BUT I'VE NOT YET RECEIVED MY GOODS.
If you have not received your goods please call dirtbikexpress to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.
I HAVE CANCELLED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.
I HAVE ASKED FOR A REFUND. HOW WILL I BE REFUNDED?
Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
WHAT HAPPENS TO MY STATEMENT, WHEN I HAVE RETURNED THE GOOD?
Once dirtbikexpress has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
WHAT HAPPENS TO MY STATEMENT WHEN I HAVE RETURNED PART OF MY ORDER?
Once dirtbikexpress has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.
I HAVEN’T RECEIVED AN EMAIL WITH MY STATEMENT/PAYMENT INFORMATION
You can log in to the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.
IF YOU ARE HAVING TROUBLE PLACING AN ORDER WITH KLARNA
Klarna may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount. You may have outstanding payments on previous Klarna invoices. You may have missed a required field at the checkout, e.g. your date of birth. Please note that Klarna are an independent payment company and Dirtbikexpress have no influence over whether your payment with Klarna is accepted or not. If you have any trouble with your order, please contact Klarna Customer Service.
I STILL HAVE QUESTIONS REGARDING PAYMENT, HOW CAN I GET IN TOUCH?
Visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time. For any more info just click here as Klarna are right on hand for quick and simple, self-service solutions.
Klarna’s Pay in 3 instalments credit agreements is not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&C's apply.