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Klarna Pay in 3 instalments

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Spread the cost of your glasses over 3 interest-free instalments with Klarna. That's a win! Want to know more? Find out how it works or read on for the FAQs and full terms and conditions.

Please spend responsibly – borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

Klarna Pay in 3 Frequently Asked Questions

Who is Klarna?

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 250,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.

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

Pay later in 3 interest-free instalments allows you to spread the cost of your purchase over 3 payments. 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 view all of your Klarna purchases and payment schedule in the Klarna App or by logging onto Klarna.com/uk.

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 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, if it is denied it 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 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 to Klarna. The mobile number is required in case Klarna need to reach you. All communications will be sent to your email address. It's very important that you give Klarna the correct details, as otherwise you will not receive your payment schedule and any updated order information.

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 Boots Opticians 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 store, previous order history and item availability.

What happens if I cancel or return my order?

If for any reason you are unhappy with your purchase, please return this to your local Boots Opticians practice. If a full refund is needed, Boots Opticians will notify Klarna who will cancel any future scheduled payments as well as refund any amounts due directly onto the debit or credit card you entered at checkout. If you’ve made a partial return, Klarna will send you an updated statement with your adjusted payment schedule. You can also monitor the status of your order in the Klarna App.

How long will it take until I receive my refund?

As soon as Boots Opticians has registered your refund, Klarna will process the refund within 5-7 business days.

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 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 the Klarna App at your convenience. 

You will not be charged fees or interest for late / missed payment(s) and your credit score will not be impacted by using Klarna's Pay later in 3 interest-free instalments, 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.

Klarna 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 their behalf. Debt collection agencies are used as a last resort.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details for purchases made with Klarna are transferred to or held by Boots Opticians. 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.

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

You can use the Klarna App or log into your account 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 the Klarna App or Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

What is Klarna's full privacy policy?

If you would like to know more about how Klarna uses your data, please visit Klarna's Privacy Notice page.

Terms and conditions

Klarna Pay in 3 is available on purchases that include prescription glasses, prescription sunglasses or non-prescription sunglasses. 1st payment at purchase, 2nd in 30 days, 3rd in 60 days. Minimum spend £35.00, maximum spend £1,000. Payment of an item cannot be split between Klarna and another payment type. 

Klarna Pay in 3 is available in selected Boots Opticians stores - click here and check the store services for Klarna to find your nearest store.

Boots Opticians acts as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB. Credit is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Please note that Pay in 3 instalments is not regulated by the FCA.

Please spend responsibly – borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date. For full Klarna Pay in 3 terms and conditions see klarna.com