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Pay Later With Klarna

30 days to pay with no interest or fees for the service - ever

Simple, safe and secure

Get the goods first. Pay later.

Shop with just a few clicks!

  1. Select ‘Pay later’ at checkout.
  2. Enter a few personal details - name, email, postcode and DOB. No card information required!
  3. Complete the purchase and your items will be shipped.
  4. Receive payment instructions from Klarna via email
  5. Enjoy your goods and pay when you’re ready!

Shopping with Klarna
You can review your latest buys and settle your monthly statement at any time by logging in at klarna.com/uk or by downloading the Klarna app. If you need further assistance you can contact our customer care team for free, or use our online chat service.

Peace of mind with Klarna’s Buyer Protection
You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.
More about Klarna’s Buyer Protection

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.
Please find links below to Klarna's website where you can find more information on Pay later.
Click here for information regarding Pay later.

Click here for frequently asked questions or Klarna's Customer Service

Local number: 0203 0050 833
Freephone number: 0808 1893 333

About Klarna

It’s all about smoooth (yes, with 3 ooo’s). Klarna is Europe’s leading alternative payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time – offering a trusted, frictionless and smoooth checkout experience.

With Klarna, customers only need to provide top-of-mind information to complete a purchase. At the core of Klarna’s services is Pay later, which lets you check out items in your own home before you pay.

Klarna now works with 100,000 merchants to offer payment solutions to shoppers across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.

www.klarna.com

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&Cs apply.

Bed Kingdom, registered in England and Wales under Company Number 07536751, with a registered address at BedKingdom, Oldfield Lane, Heckmondwike, West Yorkshire, England, WF16 0JD, is authorized and regulated by the Financial Conduct Authority (FCA FRN 660675) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorized and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816)

Pay later in 3 instalments with Klarna

Forget FOMO. Pay later in 3 equal instalments.

Get what you love now. Pay over time.

One part payment at purchase and 2 further payments at 30 and 60 days

Automatically collected monthly from your chosen debit or credit card

No interest or fees - ever

No credit application required

Simple and safe

Shop with just a few clicks!

  1. Select ‘Pay later in 3’ at checkout.
  2. Enter your address, email, mobile and card details.
  3. The first part payment will be taken from your card when the goods ship.
  4. Receive your goods and enjoy!
  5. The two remaining payments will be taken at 30 and 60 days. You will receive notifications when payment is due and when it is collected.

Shopping with Klarna

You can view all of your Klarna purchases and payment schedule simply by logging onto klarna.com/uk. If you need further assistance you can contact our customer care team for free, or use our online chat service.

Peace of mind with Klarna’s buyer protection

You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.

More about Klarna’s Buyer Protection

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.
Please find links below to Klarna's website where you can find more information on Klarna.
Click here for information regarding Klarna’s products.
Click here for frequently asked questions or Klarna's Customer Service.
www.klarna.com/uk/customer-service
Local number: 0203 0050 833
Freephone number: 0808 1893 333

About Klarna

It’s all about smoooth (yes, with 3 ooo’s). Klarna is Europe’s leading alternative payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time – offering a trusted, frictionless and smoooth checkout experience.

With Klarna, customers only need to provide top-of-mind information to complete a purchase. At the core of Klarna’s services is Pay later, which lets you check out items in your own home before you pay.

Klarna now works with 100,000 merchants to offer payment solutions to shoppers across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.

www.klarna.com

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&Cs apply.

Bed Kingdom, registered in England and Wales under Company Number 07536751, with a registered address at BedKingdom, Oldfield Lane, Heckmondwike, West Yorkshire, England, WF16 0JD, is authorized and regulated by the Financial Conduct Authority (FCA FRN 660675) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorized and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816)

Klarna - Up to 9 months interest free credit

Slice it with a Klarna Account
Pay over time

Spread the cost of your purchase into equal monthly payments without paying interest.

No complex forms during the Klarna Account application - only 4 steps!

Credit decision made in real-time.

Once approved, you will start a Klarna Account and make payments monthly.

You can also use this Account to finance future purchases up to your credit limit.

No passwords to remember. You will be emailed monthly statements.

You can choose at any time to start paying the minimum monthly payment instead with interest.

You’re in control. Better management of your finances to spend how and when you want.

Don’t forget to pay. If you miss monthly payments, promotional interest rates are cancelled and you will be required to pay interest on repayments. Representative 18.9% APR (variable)

Representative example of interest incurred if you miss a repayment

Representative (Variable)
18.9% AP

Purchase Interest Rate
18.9% p.a.

Assumed Credit Limit
£ 1,200

Credit is offered subject to financial circumstances. You must be at least 18.

The Klarna Account. How it works.

  1. Add items to your basket and go to the checkout.
  2. Select ‘Slice it with Klarna’ and choose your promotional plan to start the online application process.
  3. Provide information about your financial circumstances and carefully read the pre-contract and information documents.
  4. Read the Klarna Account Agreement and click “sign” to confirm that you want to apply. The credit decision will be made instantly.
  5. If you are approved, Klarna sends you a confirmation by email and sends the Klarna Account agreement by post. Confirmation and monthly statements with payment instructions are sent by email.
  6. It’s easy to use again - once you’ve been approved you can order in the future with just one click.

Manage your Klarna Account

You can review your latest buys and settle your monthly statement at any time by accessing your Klarna account at www.klarna.com. If you need further assistance you can contact our customer care team for free, or use our online chat service.
www.klarna.com/uk/customer-service
Local number: 0203 0050 833
Freephone number: 0808 1893 333
Please find links below to Klarna's website where you can find more information on Slice it.
Click here for information regarding Slice it.
Click here for frequently asked questions or Klarna's Customer Service

About Klarna

Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’ adding value for both the consumer and merchant with our unique payment options and customer experiences.

Klarna was founded in 2005. In 2014 we joined forces with SOFORT and formed Klarna Group and in 2017 acquired BillPay. Today we have 2000 employees in 14 markets serving 60 million consumers and 100,000 merchants.

www.klarna.com

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&Cs apply.

Bed Kingdom, registered in England and Wales under Company Number 07536751, with a registered address at BedKingdom, Oldfield Lane, Heckmondwike, West Yorkshire, England, WF16 0JD, is authorized and regulated by the Financial Conduct Authority (FCA FRN 660675) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorized and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816)

Finance options available at Bedkingdom!

Finance makes spreading payments over a period of time possible, we are working with etika Finance UK Ltd in order to provide you with this service. etika uses a smart technology that lets you check your eligibility online without affecting your credit file. All finance approvals are not guaranteed and are subject to etika’s eligibility criteria and credit assessment.

The finance calculator is available on the product page and in the checkout page once a product is added to the basket. The calculator helps you choose the best options before beginning the application.

ELIGIBILITY CRITERIA

Minimum criteria:

  • Must be 18 years of age or older.
  • Must be employed at least 16 hours per week, self-employed, retired in receipt of a pension or receiving disability payments.
  • Must be a permanent UK resident with at least 3 years UK address history.
  • Must have an active valid email address.
  • Must have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.

PAYMENT PLANS

Finance options available including 6,9 & 12 months with a representative 0% APR available. Finance is available with a representative 14.9% APR and over 24, 36 or 48 months.

Your actual rates and repayments may differ, and will be based on your personal circumstances, the loan amount and term.

FINANCE EXAMPLES

Representative 0% APR

Total order value: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 0%
Interest Rate: 0%
Number of repayments: 12
Monthly repayment: £75
Total amount of interest: £0
Total amount payable: £1000

Representative 14.9% APR

Total order value: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 14.9%
Interest Rate: 13.98%
Number of repayments: 24
Monthly repayment: £47.60
Total amount of interest: £142.42
Total amount payable: £1142.42

CANCELLATIONS

You are able withdraw from the credit agreement during the 14 day cooling off period. If you wish to do this you must notify the lender.

For any other queries contact us on 01924 950 108 or write to us or email our customer service.

Bedkingdom
Oldfield lane, Heckmondwike, WF16 0JD
[email protected]

COMPLIANCE STATEMENT

Flair Furniture LTD is a trading name of Flair furniture LTD registered in England, registration number 07536751. Registered office Bedkingdom, Oldfield lane, Heckmondwike, WF16 0JD. 01924950108 & [email protected]

Flair Furniture LTD is authorised and regulated by the Financial Conduct Authority, FCA registration number (FCA number)

Flair Furniture LTD acts as a credit broker and is not a lender, introducing customers to etika Finance UK Ltd.

etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised by the Financial Conduct Authority, registration number: 697658. Registered address: Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester M4 6AG.

Web: www.etika.com
FAQs: https://etika.com/uk/customer/faqs
Email: [email protected]
Tel: 0800 028 9321

1. Statement

We are committed to identifying, assessing and managing vulnerable customers in accordance with our own defined objectives and policy, as well as any regulations and guidelines set out by our regulators. We aim to treat all customers, who we define as being vulnerable, in a fair, clear and respectful manner.

We have implemented several identification and assessment tools within the procedure section of this document, aimed to identifying, assessing and dealing with all Vulnerable Customer situations and to consistently ensure that our staff are aware of and knowledgeable about Vulnerable Customers, including how to handle certain situations. Our policy content states our intent and obligations with regards to handling customers with vulnerabilities and includes external guidance in our procedures and information as provided by the Money Advice Liaison Group (MALG).

2. Purpose

The purpose of this policy and procedure document is to identify and support vulnerable customers and to promote transparency and openness in all the business practices and processes that we and our staff create and engage in. It also defines the steps to be taken by all staff when dealing with a Vulnerable Customer situation.

We and our staff are committed to ensuring that all customers are treated in a fair and consistent manner, but also understand that some circumstances require additional interactions and/or steps to ensure that the customer is getting a product/service that is suitable and ethical.

Our staff are provided with training on what makes a customer vulnerable and how to identify, assess and deal with any vulnerability. We are committed to ensuring that any customer who has a relationship with our company, is treated in a fair, reasonable and supportive manner.

3. Scope

This policy and procedure document relates to all staff (meaning permanent, fixed term, and temporary staff, any third-party representatives or sub-contractors, agency workers, volunteers, interns and agents engaged with the Company in the UK or overseas) within the organisation and has been created to ensure that staff deal with the area that this policy relates to in accordance with legal, regulatory, contractual and business expectations and requirements.

4. Definition

The 2 main definitions of a vulnerable customers as used by the Company are:

a. Customers who are unable, for whatever reason, to make an informed decision at the time of dealing with them – customers falling into this category include those with language barriers, hearing difficulties, those with mental health issues, suffering from bereavement, learning difficulties or the elderly. These customers may struggle to make a decision on whether the service or product you are providing is in their best interests.

b. Customers whose welfare (financial, mental or physical) could be put at risk through choosing the service or product you offer – these customers include anyone who is going to be put at detriment from taking up your offer. This could be financially if taking out a loan or setting up a payment plan causes them to added financial stresses.

- Customer FCA The Vulnerable a as: class="bk-strong" defines

“Someone who, due to their personal circumstances, is especially susceptible to detriment, particularly when a firm is not acting with appropriate levels of care.”

5. Objectives

We are committed to providing the highest level of due diligence and ethical treatment with regards to any customer or potential customer who is identified as being vulnerable or being at risk from a vulnerable situation. To this end, we have developed the below objectives which are used to create our internal procedures for dealing with vulnerable customers.

We aim to: -

  • Ensure that we have the suitable, relevant and compliant tools, controls and measures in place to identify, handle and monitor vulnerable customers
  • Train staff in the identification, communication and understanding of what vulnerabilities are and how to approach them
  • Have robust vulnerable customer procedures in place at all times and ensure their continued relevance and compliance with the regulations and guidelines
  • Research and take expert advice on specific vulnerabilities such as Mental Health and Debt so that our staff and procedures are adequately aligned with the standards
  • Ensure that all materials, content and information is user-friendly, easy to understand and jargon free
  • Ensure that all systems and automated process are regularly audited for compliance
  • Ensure staff, product and information flexibility to provide a complete and ethical service to all customers, regardless of their situation
  • Ensure a consistent and structured approach across the organisation and our staff
  • Implement strict and robust policies and procedures for affordability assessments and data protection
  • Have specialist teams and/or staff in place to deal with specific vulnerabilities and provide them with additional support, training and evaluations
5.1 Debt And Mental Capacity

Mental health is one of the most common issues that can result in a customer being vulnerable. We provide thorough staff training and support to identify and deal with customers who have declared or meet the criteria for having mental health problems.

We follow the Codes of Practice relating to the collection of medical evidence about mental health conditions and always aims to: -

  • Take steps to establish wh