KLARNA - BUY NOW, PAY LATER

SHOP NOW, DECIDE HOW TO PAY LATER

Pay nothing for 30 days. No fees, no FOMO!

What is Klarna all about? They're a provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments and now you can be one of them.

If you prefer to 'try before you buy' simply opt at checkout for the Pay Later option. This allows you to pay for your order 30 days after your items have been shipped. Here in the UK, Pay Later has no interest or fees, which lets you make sure you love your purchase before paying anything.

PART 1: HOW IT WORKS

SHOP NOW. PAY LATER WITH KLARNA.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

HERE’S HOW IT WORKS:
  • Step 1 - Add products to your cart 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.


PART 2: PAYMENTS INFORMATION

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. No impact to your credit score.

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
You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions


PART 3: ABOUT KLARNA

PAY ONLINE OR IN THE APP

Review your latest purchases and make payments in the Klarna app or online.


SAFE AND SECURE

With Klarna, you are always covered through Klarna’s ​Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.


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 90 million shoppers are using Klarna.
  • 200,000 retailers are working with us worldwide.
  • We’re one of Europe’s largest banks and we’ve 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.

CM Hair and Beauty Supplies 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 installments are not regulated by the FCA.


FREQUENTLY ASKED QUESTIONS

WHO IS KLARNA?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.


WILL A CREDIT SEARCH TAKE PLACE AGAINST ME?

Klarna may run so-called unrecorded inquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor CM Hair and Beauty Supplies runs credit searches against you that could impact your credit rating.


IS MY PAYMENT INFORMATION SAFE?

Payment information is processed securely by Klarna. No card details are transferred to or held by CM Hair and Beauty Supplies. All transactions take place via connections secured with the latest industry-standard security protocols.


HOW DOES PAY LATER IN 30 DAYS WORK?

Pay later in 30 days is a form of credit that allows you to delay payment of your purchase by 30 days. Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in Klarna.app or by logging into www.klarna.com/uk


AM I ELIGIBLE TO PAY LATER IN 30 DAYS?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Paying later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.


HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 30 DAYS?

Klarna is unique and offers Pay later in 30 days based on a number of factors such as 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 in 30 days by ensuring 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 accepted for Pay later in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay later in 30 days is denied, it does not mean it will be denied for all future orders.


WHY HAVE I NOT BEEN OFFERED PAY LATER IN 30 DAYS?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically generated by algorithms that are dependent upon a number of factors including the amount of order, the online store, previous order history, and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.


WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?

You can pay with a debit or credit card immediately in the checkout or take advantage of our Pay later in 30 days payment option, where you can pay for the goods once you have received them via credit card or debit card. You can always monitor your outstanding payments in the Klarna app.


WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

As soon as CM Hair and Beauty Supplies have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment. The return will be reflected in the Klarna app immediately.


WHAT HAPPENS IF I DON’T PAY FOR MY ORDER?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive a push notification from the Klarna app or email reminders to pay – and, if very late, we’ll also send you a text or letter, too. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 30 days’ product even if you have failed to pay on time. If you fail to pay on time, you will be in default and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort


I HAVE BEEN ASKED TO GO TO THE KLARNA SITE. IS THIS CORRECT?

If you have chosen to Pay later in 30 days, 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. You are always able to view payments instructions in the Klarna app.


WHAT DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?

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


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. Just follow the instructions on this email or in the Klarna app to pay for your order.


HAVE YOU RECEIVED MY PAYMENT?

If you pay by card, CM Hair and Beauty Supplies will confirm your order right away. If paying by Pay later in 30 days, 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 have not received the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com/uk. If you pay by card, CM Hair and Beauty Supplies will confirm your order right away. If paying by Pay later in 30 days, 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 the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com/uk. If you pay by card, CM Hair and Beauty Supplies will confirm your order right away. If paying by Pay later in 30 days, 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 the payment confirmation, you can always check the status of your order and payments by logging in to the Klarna app or www.klarna.com/uk.


WHAT HAPPENS TO MY STATEMENT, WHEN I'VE RETURNED THE GOODS?

Once CM Hair and Beauty Supplies 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. You are always able to monitor the status of your order in the Klarna app.


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 call CM Hair and Beauty Supplies to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.


I HAVE CANCELLED MY ORDER. HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?

As soon as the store 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 a 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 into the Klarna app or 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 the Klarna app or Klarna’s Customer Service page for a full list of FAQs, live chat, and telephone options.