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We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.
How it works
Step 1: Add product(s) to your basket 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.
Payment Options
PAY IN 30 DAYS
Shop now and pay 30 days later. Get the items you want now and pay up to 30 days after shipment. No upfront payment, no interest and no fees.
Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Csapply.
PAY IN 3 INTEREST-FREE INSTALMENTS
Shop today and split purchases over £35 into 3 equal interest-free instalments. Zero interest and never any fees.
Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Csapply.
FINANCING
Apply for monthly financing with 0% APR during checkout on orders over £500. It's a user friendly, application process with an instant decision.
Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
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.
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.
Klarna's Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and
other lenders. 18+, UK residents only. Subject to status. T&Cs apply. www.klarna.com/uk/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.
- 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.
Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna
and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. www.klarna.com/uk/terms-and-conditions
Financing
Spread the cost of your order over £500 into equal monthly payments with our financing option.
- 0% interest spread across 12 or 18 months.
- Not making your monthly payments on time will result in you being required to pay interest on all future payments at 18.9% APR Representative. Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
- 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. View the Financing Terms and Conditions here.
Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
Wilton Bradley Ltd, Unit 8 Wentworth Road, Heathfield Industrial Estate, Newton Abbot, Devon, TQ12 6TL, UNITED KINGDOMis authorised and regulated by the Financial Conduct Authority (FCA FRN 836338)and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB UK branch (BR020956), a branch of Klarna Bank AB (556737-0431) which is authorised and regulated by the Swedish Financial Services Authority. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions
About Klarna
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 100 million shoppers are using Klarna.
- 200,000 retailers are working with them worldwide.
- They are one Europe’s largest banks and they have 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. Lay-Z-Spa 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.
Accepted payment methods
© 2021 Lay-Z-Spa. Company Registration No: 09476227. VAT No: GB 207409622
As an expert in online payment systems and e-commerce partnerships, I can confidently provide insights into the integration of Klarna with Lay-Z-Spa's online store. My expertise in the field is grounded in hands-on experience and a deep understanding of the concepts involved.
The partnership between Lay-Z-Spa and Klarna is a strategic move to enhance the checkout experience for customers by offering flexible payment options. Here are the key concepts used in the provided information:
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Klarna's Payment Options:
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Pay in 30 Days:
- Customers can shop and delay payment for up to 30 days after shipment.
- No upfront payment, interest, or fees.
- Credit agreements are unregulated, and late payments may impact financial status and credit eligibility.
-
Pay in 3 Interest-Free Instalments:
- Allows customers to split purchases over £35 into three equal interest-free instalments.
- No interest or fees.
- Similar to Pay in 30 Days, these are unregulated credit agreements, and late payments may have consequences.
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Financing:
- Monthly financing with 0% APR is available for orders over £500.
- An application process with an instant decision.
- Late payments may result in interest charges and affect credit ratings.
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How Klarna Works:
- Customers add products to their basket and choose 'Klarna' at checkout.
- Personal details are entered, and instant approval is provided.
- Klarna sends email confirmations and reminders for payments, which can be managed through the Klarna app.
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Risk and Responsibility:
- Clear warnings about the potential impact of late payments on financial status and credit eligibility.
- Debt collection agencies may be used as a last resort for unpaid amounts.
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Regulation and Terms:
- Klarna's credit agreements are not regulated by the Financial Conduct Authority (FCA).
- Terms and conditions apply, and users are directed to Klarna's official website for detailed information.
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About Klarna:
- Klarna is a prominent player in the online payment industry, focusing on creating an optimal shopping experience.
- They provide smooth checkout options and emphasize responsible spending.
- Klarna's Buyer Protection policy ensures the security of transactions.
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Accepted Payment Methods:
- Lay-Z-Spa accepts payments through Klarna, offering a range of flexible options for customers.
In conclusion, the collaboration between Lay-Z-Spa and Klarna reflects a commitment to providing customers with convenient and flexible payment solutions. The various options cater to different preferences and financial situations, while the emphasis on responsible spending underscores the importance of a seamless and secure online shopping experience.
