Klarna Finance


V12 Finance

How To buy using our finance deals by Klarna finance.

All you need to use Klarna is:

  • You must be at least 18 years old
  • Have a UK bank account (Pay later in 3 is subject to your financial circumstances)
  • Have a UK residential address
  • Follow these simple steps:
  • Shop online at TheVisorShop, add what you love to your basket and go to checkout.
  • Enter your Delivery & Billing Address, Review your order, and on the Payment page.
  • Select your method of payment. Click ' Instalments with Klarna ' and choose from Pay in 3  or One of their Finance options 6, 9, 12, 24, 36 months.
  • For each of the Finance options you will be provided an Estimated total Payment and the interest rate.
  • Enter your card details for pay in 3 or click Klarna review your order and you're done! Simple as.

Pay In 3 Intrest-Free Instalments

 Klarna Pay In 3

Klarna enables you to pay in 3 instalments with no interest and no fees. Split your payments into 3 equal instalments over 3 months!
Step 1. Add your chosen products to your basket
Step 2. Select “pay later in 3 interest-free instalments” at checkout
Step 3. The first instalment is taken when you place the order
Step 4. The 2 further instalments will be automatically taken over the next 2 months

For Pay In 3 there's zero interest, fees for late payment charges. No account sign-up needed, No credit application & Klarna emails payment instructions straight to you!
Min spend £99.99 on pay in 3 up to £1000
For more information or to manage your Klarna account visit Klarna.com

Klarna Finance

Finance
Enter the easiest and most transparent financing plans you've ever seen. Spread your costs over flexible payment plans when you apply at checkout and receive an instant approval decision.

At the checkout
Select to pay via financing by clicking on Instalments with Klarna and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction and an estimated total payment amount.

Klarna-Finance-checkoutKlarna-Finance-checkout-AppKlarna-Finance-reminder

One-time credit agreement

Complete a simple, 4-step credit application with top-of-mind information. You will know instantly if you are approved and can complete the order right away.

The monthly payments

You will make the monthly payment online or in Klarnas app using bank transfer or card payments. Klarna will notify when it’s time to make the payment each month.
Representative example for Finance over 12 Months: Representative APR (variable) 18.9% APR with an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a.
Finance min spend £270 

About Klarna

Pay online or in the app

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

● Download the Klarna app: https://www.klarna.com/app

● Log in online: https://app.klarna.com/login.

● Chat with customer service: https://www.klarna.com/us/customer-service/

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/us/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 payment methods give you more time, control and joy so you can focus on the things you love.

● 80 million shoppers are using Klarna.

● 190,000 retailers are working with us worldwide.

● We’ve been powering online checkouts for 14 years.

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 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Financing work?

Spread the cost of your purchase into equal monthly payments with {INTERESTRATE}% interest. Financing is a promotional plan on the Klarna Account.

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this

option. The first time you shop with Financing you will be asked to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your

order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will

be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

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

If you have chosen to pay with Financing by Klarna, Klarna will send you an email with further details on how to pay.

Can I pay less than the amount owed each month?

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to

avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will

lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

Do I need to be 18?

Financing is only available to people aged 18 or over and is an online exclusive payment method.

How do I manage my Klarna Account?

Log in to the Klarna App or Klarna.com/uk at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you

can contact Klarna’s Customer Service team.

How can I increase my chances of being accepted for Financing?

Klarna is unique and offers Pay later 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 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 had Pay later before does not mean it will be offered for every order and in turn, as it is denied

does not mean it will be denied for all future orders.

How is my statement sent?

If you chose to use Financing, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your

Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards

your balance. You can always monitor the active statements in Klarna app at your convenience.

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

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and

your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give

us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections

secured with the latest industry standard security protocols.

How do I make a payment?

First, log in the Klarna app or in www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount you

wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service.

I haven't received an email with my statement.

Please log in the Klarna app to view the statements or contact Klarna’s Customer Service via live chat or phone.

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.

What happens if I cancel or return my order?

As soon as TheVisorShop have accepted your cancellation/return, then Klarna will make any necessary adjustments to your balance and provide further help if

needed.

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, we will credit the balance back to your Klarna Account within the next 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 your Klarna Account balance. If the Account ends up in a credit balance, this can be

used towards future purchases or you can request it to be paid back by contacting Customer Service.

I've received my monthly statement and a payment is due, but I've not yet received my goods.

You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your

order. You should also contact our 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 still have questions regarding payment.

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


 

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