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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

 


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

 


Fixed sum credit 

Fixed sum credit is a regulated credit agreement with a fixed duration (term). Klarna offers fixed sum credit agreements from 6 months to 4 years. Fixed sum credit can be offered on interest-free or interest-bearing amounts and may incur a default fee if a repayment is missed

You must be 18+ and a UK resident to be eligible for this credit offer. Fixed sum credit Terms and Conditions

 

Financing 2 / Fixed Sum Credit
Frequently Asked Questions

Do you offer a financing plan?
We have partnered with Klarna to offer interest-free credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over 6 months to 4 years months.

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 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.

How do I place an order using Financing with Klarna?
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 “Pay Over Time” 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.

What details do I need to provide when I make my purchase?
You will need to provide your name, billing address, email address and phone number, as well as some basic employment and bank details.

Will I be required to pay anything when I apply?
In some cases, Klarna may offer finance contingent on the applicant paying a portion of the balance up front. If this is the case, you will be prompted to make a deposit during the application flow.

If I make my purchase on a Klarna Financing plan, will I pay interest?
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.

Am I eligible?
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 financial circumstances and a full credit search.

If I apply for Klarna Financing, will this affect my credit score?
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 file, 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 customersupport team.

What if I am late or miss a payment?
Your monthly payment must reach Klarna by the payment due date.

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.

Will I receive an email confirmation when purchasing with Klarna Financing?
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.

Can I set up automatic monthly repayments?
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.

How long will it take until I receive my refund?
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 at customerservices@richersounds.com to process your return.
Once your return has been processed your Klarna Financing plan will be adjusted.

I still have questions about Klarna Financing.
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 1893333.

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

About Klarna

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our 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 us worldwide.
  • We’re one of Europe’s largest banks and we’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.

Richer Sounds 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.