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Klarna FAQ

Part 1: How it works

Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

 

Part 2: Payments information

Pay in 30 Days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact to your credit score.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

  • Complete the payment in full after purchase at no added cost
  • Report returns directly in our app and only pay for the items that you keep
  • Not making your payment on time could affect your ability to use Klarna in the future
  • Debt collection agencies are used as a last resort

You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions (click here).

Pay in 3 Interest-Free Instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card
  • 3 instalments gives you flexibility to shop without interest or hidden fees
  • Not making your payment on time could affect your ability to use Klarna in the future
  • Debt collection agencies are used as a last resort

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions (​click here).

 

Part 3: About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online

  • Download the Klarna app: ​https://www.klarna.com/app
  • Log in online:​ ​https://app.klarna.com/login​​
  • Chat with customer service: h​ttps://​www.klarna.com/uk/customer-service/

Safe and secure

With Klarna, you are always covered through Klarna’s ​Buyer Protection policy​. Modern safeguards protect your information to prevent unauthorized purchases.

Frequently asked questions

Visit the Klarna FAQ (​https://www.klarna.com/uk/customer-service/​)​ page to find out more about using Klarna.

About Klarna

At Klarna, they have a relentless focus on creating the best shopping experience in the world. They believe payments are so much more than just a way to send money. That’s why their smooth checkout options give you more time and control so you can focus on the things you love.

  • More than 90 million shoppers are using Klarna
  • 200,000 retailers are working with Klarna worldwide
  • They’re one Europe’s largest banks and they’ve been powering online checkouts for over 15 years

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time. Crescent Motorcycle Company Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

 

Pay later in 30 days
Frequently Asked Questions

How does Pay later in 30 days work?

Pay later in 30 days is a form of credit which allows you to delay payment of your purchase by 30 days. Once your order is confirmed,
you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only
pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in
Klarna.app or by logging into www.klarna.com/uk.

Am I eligible for Pay later in 30 days?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your
financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 30 days?

Klarna is unique and offers Pay later in 30 days 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 30 days by ensuring you provide your full
name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just
because you have been accepted for Pay later in 30 days before does not mean it will be offered for every order. In turn, if your
application for Pay later in 30 days is denied, it does not mean it will be denied for future orders.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you
and Klarna, but not visible to other lenders. Neither Klarna nor​ Crescent Motorcycle Co Ltd run credit searches against you that could impact your
credit rating.

Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically
generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order
history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

What are my payment options with Klarna?

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later in 30 days payment option,
where you can pay for the goods once you have received them via credit card or debit card. You can always monitor your outstanding
payments in the Klarna app.

What happens if I don’t pay for my order?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll
receive a push notification from the Klarna app or email reminders to pay – and, if very late, we’ll also send you a text or letter, too. 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
later in 30 days’ product even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to
use Klarna’s services 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.

I have been asked to go to the Klarna site. Is this correct?

If you have chosen to Pay later in 30 days, Klarna will send you an email with further details on how to pay. Your email will contain a link
to Klarna where you can settle your payment with your credit or debit card. You are always able to view payments instructions in the
Klarna app.

 

Pay later in 3 interest-free instalments
Frequently Asked Questions

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Crescent Motorcycle Company Ltd ​ and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app​.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

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, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 3 interest-free instalments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean it will be denied for future orders.

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor​ Crescent Motorcycle Company Ltd​ run credit searches against you that could impact your credit rating.

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 payments’ schedule in the Klarna app.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at ​Crescent Motorcycle Company Ltd from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience.

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 later 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 Klarna in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. 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.

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 onto Klarna.com/uk.

 

Additional Frequently Asked Questions

What happens if I cancel or return my order?

As soon as Crescent Motorcycle Company Ltd​ have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by ​Crescent Motorcycle Company Ltd​. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

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 payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at Klarna.com/uk.

What happens to my statement, when I've returned the goods?

Once​ Crescent Motorcycle Company Ltd ​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

In the event that your goods have not been received please call ​Crescent Motorcycle Company Ltd​ to check on your order and delivery status. You can also contact Klarna’s ​Customer Service so that we 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’ve 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 business days.

I’ve 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.

I haven’t received an email with my statement/payment information

You can log in the Klarna app or at Klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service​ for a full list of FAQs, live chat and telephone options.

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