How does the Klarna pay in 3 finance option work?

Using the pay in 3 option allows you to divide the cost of your purchase over 3 equal payments with no interest. These payments are automatically collected from the debit or credit card you enter at checkout whether you place your order instore or online.

The first instalment will be collected when your order is confirmed, and the second and third instalments are then scheduled for 30 and 60 days later. It is important when you apply that your credit/debit card will be valid for at least 60 days thereafter to avoid any issues with payment.

If Klarna is unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this second payment attempt fails, Klarna will issue you a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days before attempting to collect your payment.

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