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Klarna

Shopping from the USA? Pay in 4 Instalments.

Customers from the USA can pay in four easy instalments, interest-free. The first payment will be collected when the order is placed then the remaining three payments will be automatically collected every 2 weeks following.
* Available to US customers only. T&Cs apply
FREQUENTLY ASKED QUESTIONS
What is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments. 


How does Pay Later work?

When your order has been confirmed, you will receive an email with payment instructions within two days from Klarna. You'll then have [14/30] days to try on your order and only pay for the items you decide to keep. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk 

Am I eligible for Pay Later?

To use Pay Later you must be at least 18 years of age. Whilst this option is widely promoted, Pay Later is subject to your financial circumstances. When choosing Pay Later, our assessment will not affect your credit rating. 

How can I increase my chances of being accepted for Pay Later?

Klarna is unique and will offer Pay Later based on numerous factors including 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 by making sure 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 able to Pay Later before does not mean it will be offered on every order and in turn, if it is denied this does not mean it will be denied on future orders. 

Why have I not been offered Pay Later?

Although Pay Later is widely promoted it is not always universally available. The Pay Later method is automatically generated by algorithms which depend on a number of factors such as the order value, the particular online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at checkout. 

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

If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The mobile number is required in case we need to contact you. All statements will be sent to your email address. It is very important that you give us the correct details, as otherwise you will not receive the payment information and so will be liable for delayed payment fees. 

Will a credit search take place against me?

Klarna may run so called unrecorded enquiries (or soft credit searches) that do not affect your credit score and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Coggles.com run credit searches against you that could impact your credit rating. 

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 payment option, where you can pay for the goods once you have received them via credit card or debit card. 

What happens if I cancel or return my order?

As soon as Coggles.com have accepted your cancellation or return, then Klarna will cancel the statement or refund your payment. 

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

Payment is due 30 days after the order is dispatched. To help you pay on time we will alert you 2 days before payment is due - you'll receive email reminders to pay - and, if very late, we'll also send you a text or a letter. If you fail to pay Klarna for your order, your credit score will be affected. 

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

If you decide to make a purchase using Klarna you will need to provide your full name, address and email address. For some orders you may need to provide your mobile number or date of birth. All information will be sent to your email address, including payment reminders and links to your online statements. It is very important that you give us the correct details otherwise you will not receive the payment information. 

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

If you have chosen to Pay later, 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.

Is my payment information safe?

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

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

Have you received my payment?

If you pay by card, Coggles.com will confirm your order right away. If paying by Pay Later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com 

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

Once Coggles.com has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.

I've received a statement but I've not yet received my goods.

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please contact Coggles.com to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment. 

I have cancelled my order. How long will it take until I receive my refund?

As soon as Coggles.com has registered your cancellation or your return, the refund will be processed within 5 business days.

I have asked for a refund. How will I be refunded?

If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.

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

If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

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

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

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