Buy now, pay later with Klarna - Learn more

Found the one? Pay later.

With Klarna, pay in 3, pay in 30, orspread over 6-36 months.

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

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Discover More Way To Pay

All options provided by Klarna

1

Pay in 32

Split the cost of your plate over 3 interest-free instalments, paid every 30 days.

2

Pay in 302

Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time.

3

Spread over 6-36 months1

Spread the cost with monthly repayments. Interest applies, unlike Pay in 3 and Pay in 30.

Late or missing repayments may have serious consequences and cause you serious money problems. Only use these options if you are confident you can meet the repayments.

1 Klarna Financing is regulated by the FCA. Financing 0% and <12m are not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. 18+, UK residents only. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of £1,200 repayable over 6 months at an interest rate of 21.9% p.a. (fixed). 5 monthly payments of £211.81 and last payment of £210.37. Total amount payable of £1,269.42. Total charge for credit £69.42. Minimum and maximum purchase amount £250–£10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs and late fees apply.

2 Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it's 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only.

Finance Questions and Answers

Question:

Do I own the plate if I use finance?

Answer:

Yes. The plate goes into your name as soon as the process begins…

We start the DVLA process immediately after approval. Klarna provides unsecured credit, they don't hold the plate. It's yours.

Question:

Will applying for finance affect my credit score?

Answer:

For Pay in 3 and Pay in 30, no. For the 6–36 month option, yes.

Pay in 3 and Pay in 30 use a soft credit check only, which won’t affect your credit score. The 6–36 month finance option involves a hard credit search, which will appear on your credit file and may affect your credit score.

If you miss payments your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. Klarna makes all lending decisions, we never see your credit information.

Question:

How do I apply with Klarna

Klarna

You can choose Klarna at checkout

  1. Select Klarna at checkout
  2. Get a decision
  3. We secure your plate with DVLA
  4. The plate is yours

Finance your plate FAQs

Klarna provides both regulated and unregulated credit products used by millions of people across the UK. Credit is subject to status.
Pay in 3 and Pay in 30 Days are interest-free. But if you miss a payment, late fees can apply so it’s worth making sure you can cover it before you commit. For 6-36 month finance, Klarna shows you exactly what you’ll pay before you agree to anything. No surprises.
Not usually. In most cases Klarna gives you an instant decision at checkout. Once you're approved, we'll contact the seller and get your plate secured right away, same as any other payment method.
Yes. Any time, with no penalty, through the Klarna app or at klarna.com.
Missing payments may result in late fees and will be reported to credit reference agencies, which could affect your credit score and make future borrowing harder or more expensive. If you're struggling, contact Klarna directly.
You can still buy, just pay in full at checkout instead.
Your name, billing address, date of birth, email and mobile number. Klarna may run an identity or credit check depending on the option you choose.
Yes. Klarna finance is only available to UK residents aged 18 or over.
Yes. Klarna handles all payment processing securely. We never see your finance details.
Through the Klarna app or at klarna.com. You can view statements, make payments and repay early all in one place.
If you're unhappy with any aspect of your Klarna finance agreement, you should contact Klarna directly in the first instance. You can do this through the Klarna app or at klarna.com/uk/customer-service.

Klarna will aim to resolve your complaint within 8 weeks. If they're unable to resolve it to your satisfaction, or if 8 weeks have passed without a resolution, you have the right to refer your complaint to the Financial Ombudsman Service (FOS) free of charge.

Financial Ombudsman Service, Website: financial-ombudsman.org.uk, Phone: 0800 023 4567, Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

The Financial Ombudsman Service is an independent service that resolves disputes between consumers and financial businesses. Referring a complaint to them will not affect your legal rights.