3 interest‑free instalments with Klarna

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.

Who is Klarna?

Klarna is a Swedish payment service provider that takes end‑to‑end responsibility for your payment. Klarna provides smooth payments to more than 200,000 online stores, and over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay in 3 work?

Klarna’s Pay in 3 lets you make 3 interest‑free payments over time. Your first payment is collected when your order is confirmed by Famous Acre Brands T/A Garden Lights Direct, followed by two further automatic payments taken 30 and 60 days later. You can monitor your payment schedule in the Klarna app.

Am I eligible for Pay in 3?

To use Pay in 3 you must be at least 18. Whilst this option is widely promoted, it is subject to your financial circumstances.

How can I increase my chances of being accepted?

Klarna offers Pay in 3 based on several factors such as order value, previous order history, and item availability. You can improve your chances by providing your full name, accurate address details, and shipping to your registered billing address. Each order is assessed individually.

What do I need to provide?

To make a purchase using Pay in 3, you’ll need to provide your mobile phone number, email address, current billing address, and a debit or credit card. It’s important that you provide the correct details to receive your payment schedule and any updated order information.

Will a credit search take place?

Klarna may run soft credit searches that do not affect your credit score and are only visible to you and Klarna. However, late or missed payments may be reported to credit reference agencies and impact your credit score.

Why have I not been offered Pay in 3?

Pay in 3 is not always available. The option is automatically generated by algorithms considering factors such as address details, cardholder details, order amount, the online store, previous order history, and item availability.

What are my payment options with Klarna?

Payment is automatically collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed, with the second and third payments collected 30 and 60 days later. You can monitor your payment schedule in the Klarna app.

What happens if I cancel or return my order?

Once Garden Lights Direct accepts your cancellation or return, Klarna will cancel any future scheduled payments and refund any amounts due. The change will be reflected immediately in the Klarna app.

What happens if I don’t pay?

Klarna will automatically attempt to collect your payment from the card you entered at checkout. If payment is not collected on the due date, Klarna will try again two days later. If that attempt fails, Klarna will issue a statement for the full outstanding amount, payable 15 days later. Missed payments may affect your ability to use Klarna in the future and may impact your credit score.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.

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

You can view all of your Klarna purchases and payment schedules in the Klarna app or by logging onto klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Garden Lights Direct. All transactions occur via secure connections using industry‑standard security protocols.

Can I pay before the due date?

Yes. You can pay early via the Klarna app or by logging onto klarna.com/uk.

Have you received my payment?

Klarna will notify you via email and push notification when a payment is due or has been collected. You can check your order status and payments in the Klarna app or at klarna.com/uk.

What happens to my statement when I’ve returned goods?

Once Garden Lights Direct receives and confirms your return, Klarna will update your statement and adjust your payment schedule for partial returns, or refund payments and cancel future instalments for full returns.

I’ve received a statement but not my goods.

If your goods have not been received, please contact Garden Lights Direct to check delivery status. You can also contact Klarna Customer Service to postpone the payment due date or place your order on hold in the Klarna app.

I have cancelled my order. When will I receive my refund?

Once the store registers your cancellation or return, the refund will be processed within 5–7 business days.

How will I be refunded?

Refunds will be issued back to the debit or credit card originally used at checkout.

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

You can log in to the Klarna app or visit klarna.com/uk to view all your orders and payment information.

I still have questions.

Visit the Klarna app or Klarna’s Customer Service page for FAQs, live chat, and telephone support.

Pay over time with Klarna

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.

Who is Klarna?

Klarna is a Swedish payment service provider that takes end‑to‑end responsibility for your payment. Klarna provides smooth payments to more than 200,000 online stores, and over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay in 30 days work?

Klarna’s Pay in 30 days allows you to receive your order first and pay up to 30 days later. Klarna will send payment instructions once your order is confirmed.

Am I eligible for Pay in 30 days?

To use Pay in 30 days you must be at least 18. Whilst widely promoted, it is subject to your financial circumstances. 

How can I increase my chances of being accepted?

Klarna offers Pay in 30 days based on factors such as order value, previous order history, and item availability. You can improve your chances by providing accurate personal details and shipping to your registered billing address. Each order is assessed individually.

Will a credit search take place?

Klarna may run soft credit searches that do not affect your credit score and are only visible to you and Klarna. However, late or missed payments may be reported to credit reference agencies and impact your credit score.

Why have I not been offered Pay in 30 days?

Pay in 30 days is not always available. The option is automatically generated by algorithms considering factors such as order amount, online store, previous order history, and item availability.

What are my payment options with Klarna?

You can pay immediately with a debit or credit card at checkout, or choose Pay in 30 days to pay once you have received your goods. You can monitor outstanding payments in the Klarna app.

What happens if I cancel or return my order?

Once Garden Lights Direct accepts your cancellation or return, Klarna will cancel your statement or refund your payment. The change will be reflected immediately in the Klarna app.

What happens if I don’t pay?

Payment is due 30 days after the item is shipped. Klarna will alert you before the payment is due via push notification or email reminders. Missed payments may affect your ability to use Klarna in the future and may impact your credit score.

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

If you choose Pay in 30 days, Klarna will email you payment instructions. You can also find payment details in the Klarna app.

What do I need to provide?

When making a purchase with Klarna, you need to provide your name, address, and email address. For some orders, you may also need to provide your mobile number or date of birth.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Garden Lights Direct.

Can I pay before the due date?

Yes, you can pay at any point after receiving payment details from Klarna.

Have you received my payment?

If you pay by card, Garden Lights Direct will confirm your order immediately. If you choose Pay in 30 days, Klarna will send a payment confirmation once received.

What happens to my statement when I’ve returned goods?

Once Garden Lights Direct receives and confirms your return, Klarna will update your statement for partial returns or close it for full returns.

I’ve received a statement but not my goods.

If your due date is near and your goods have not arrived, please contact Garden Lights Direct. You can also contact Klarna Customer Service to postpone the due date or place your order on hold.

I have cancelled my order. When will I receive my refund?

Once the store registers your cancellation or return, the refund will be processed within 5 business days.

How will I be refunded?

If you paid by card, the refund will be issued back to the same card. If you have not yet paid your statement, the refund will reduce or cancel the outstanding amount.

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

You can log in to the Klarna app or visit klarna.com/uk to view all your orders and make payments.

I still have questions.

Visit the Klarna app or Klarna’s Customer Service page for FAQs, live chat, and telephone support.