Shop Now.
Pay with Klarna.
We have partnered with Klarna to give you a better shopping experience.
So, how does Klarna work in the UK?
Baby and Co have partnered with Klarna to give you a better shopping experience.
So, how does Klarna work here and in the UK?
Buy now, Pay Later at Baby and Co!
Expecting but not sure how you're expected to pay for everything? Well then, Buy now, Pay Later for all you'll need for baby, including prams, strollers, pushchairs and travel systems, nursery furniture, car seats, high chairs and so much more at Baby and Co. We are delighted to be apart of the UK baby stores that use Klarna. All available on finance and in installments from all your favourite brands including Silver Cross, Bugaboo, Mamas & Papas, Boori, Ickle Bubba, Maxi-Cosi, Cybex, Axkid and more.
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.
However, if you would prefer to shop instore we have the perfect free plan for you. The Nursery Plan! Where you can make payments as frequently as you like. Learn more here or please visit us in our Bristol store to discuss your baby requirements and set up your nursery plan. Alternatively contact our team on 0117 986 8184 or at info@babyandco.com for more information.
Buy now, Pay Later at Baby and Co!
Expecting a new baby but not sure how you're expected to pay for everything? Well then, Buy now, Pay Later for all you'll need for baby, including prams, strollers, pushchairs and travel systems, and nursery furniture, car seats, high chairs and so much more at Baby and Co. All available on finance and in installments to make your life easier. All products from all your favourite brands including Silver Cross, Bugaboo, Mamas & Papas, Venicci, Boori, Ickle Bubba, Maxi Cosi and more are available to be bought with Klarna, which means you can find your perfect stroller, travel system, nursery roomset or car seat and spread the cost over your pregnancy!
However, if you would prefer to shop instore we have the perfect free plan for you. Baby and Co's Nursery Plan! Where you can make payments as frequently as you like. Learn more about the Nursery Plan here or please visit us in our Keynsham Bristol store to discuss your baby requirements and set up your nursery plan. Alternatively contact our team on 0117 986 8184 or at info@babyandco.com for more information.
What is Klarna?
Founded in 2005 in Stockholm, Sweden, Klarna’s aim is to make it easier to shop online. Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. They offer direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience, thus letting customers pay how and when is convenient for them. Right now, over 147 million people worldwide use Klarna at over 400,000 online stores. So why not spread the cost and get your new pram, travel system, nursery furniture, high chair or car seat on finance today.
What is Klarna?
Founded in 2005 in Stockholm, Sweden, Klarna’s aim is to make it easier to shop online. Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. They offer direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience, thus letting customers pay how and when is convenient for them. Right now, over 147 million people worldwide use Klarna at over 400,000 online stores.
How does Klarna work?
Klarna uses a few different ways to let the customer shop and pay when suits them best.
The two ways are the ‘Buy Now, Pay Later’ methods, ‘Pay in 3 instalments’ and ‘Pay in 30 days’.
How does Klarna work?
Klarna uses a few different ways to let the customer shop and pay when suits them best. But first -
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 your account in the Klarna app.
The two ways are the ‘Buy Now, Pay Later’ methods, ‘Pay in 3 instalments’ or ‘Pay in 30 days’.
Buy Now, Pay Later Methods
Pay in 3 instalments
This method allows the customer to essentially pay monthly, letting them spread the cost of the purchase over three equal yet separate payments, with the first instalment being collected when your order is confirmed by the merchant. Simply enter the credit or debit card details of your choice and make automatic payments every 30 days.
Pay in 30 days
This method means that the customer has thirty days to pay for the goods after shipping. Therefore, the products can be returned without money ever leaving a bank account. This way the customer only needs to pay for what they keep and can pay up to 30 days later.
Klarna Late Fees
Klarna has introduced late fees, as part of their efforts to encourage healthy spending habits. These late fees will only be implimented if customers have failed to pay their outstanding payments. If a payment has been missed then customers will receive multiple friendly reminders to encourage repayment and they will not be charged a late fee until after the grace period has passed.
If a payment has been missed, Klarna may charge a late fee of £5. Per order, a maximum of two late fees may be charged, not totalling more than 25% of the value of the inital purchase. Please note that this will not affect any purchases or payments made before the 16th March 2023.
Buy Now, Pay Later Methods
Pay in 3 instalments
This method allows the customer to spread the cost of the purchase over three equal yet separate payments, with the first instalment being collected when your order is confirmed by the merchant. Simply enter the credit or debit card details of your choice and make automatic payments every 30 days.
Pay in 30 days
This method means that the customer has thirty days to pay for the goods after shipping, with no interest or fees. Therefore, the products can be returned without money ever leaving a bank account. Only pay for what you keep. Pay up to 30 days later.
Late fees
Klarna has introduced late fees, as part of their efforts to encourage healthy spending habits. These late fees will only be implimented if customers have failed to pay their outstanding payments. If a payment has been missed then customers will receive multiple friendly reminders to encourage repayment and they will not be charged a late fee until after the grace period has passed.
If a payment has been missed, Klarna may charge a late fee of £5. Per order, a maximum of two late fees may be charged, not totalling more than 25% of the value of the inital purchase. This will not affect any purchases or payments made before the 16th March 2023.
How to get approved
To get approved for Klarna the customer only needs to be over 18 years old, have a valid bank account and card as well as a positive credit history and be able to receive verification texts.
Klarna can be a good option if the borrower has bad credit, a soft credit check is run when a customer requests an instalment or pay in 30 days plan. This means that they verify basic information, such as your name and age, however, credit bureaus are not informed of the inquiry, this way credit scores are kept safe. Approval will depend on how much the purchase is and on the customer’s credit. There are no spending limits with Klarna, however, they can deny requests based on how much the customer wants to borrow. Also just because someone has been approved before doesn’t guarantee they’ll be approved in the future.
How to get approved
To get approved for Klarna the customer only needs to be over 18 years old, have a valid bank account and card as well as a positive credit history and be able to receive verification texts.
Klarna can be a good option if the borrower has bad credit, a soft credit check is run when a customer requests an instalment or pay in 30 days plan. This means that they verify basic information, such as your name and age, however, credit bureaus are not informed of the inquiry, this way credit scores are kept safe. Approval will depend on how much the purchase is and on the customer’s credit.
There are no spending limits with Klarna, however, they can deny requests based on how much the customer wants to borrow. In addition, just because someone has been approved before doesn’t guarantee they’ll be approved in the future.
The Pros
Baby Products On Klarna
Did someone say pay monthly prams? Shop baby car seats, travel systems, high chairs, baby monitors, cribs and much more using Klarna at Baby&Co. Whether you have your eye on a Silver Cross Stroller or Mama's and Papa's Crib- Klarna has a finance plan waiting for you.
No fees when you pay on time
When shopping through Klarna there are no late fees, except when payments have been missed. Klarna may charge a late fee of £5 and they're limited to two late fees per order. However, Klarna sends out several friendly reminders to repay before the late fee is charged.
Option to pay off early
Klarna keeps their customers updated on when their payment is due and even has an option for the customer to pay off their balance early. If some extra time is needed, the due date can be extended by ten additional days for free. The due date can only be extended once per order.
No spending limits
There are no spending limits when shopping with Klarna, however, there is a new automated approval decision about how much someone can spend with them and this decision is made each time you pay with Klarna.
See more on Klarna’s spending limits here.
The Pros
Option to pay off early
Klarna keeps their customers updated on when their payment is due and even has an option for the customer to pay off their balance early. If some extra time is needed, the due date can be extended by ten additional days for free. The due date can only be extended once per order.
Doesn't affect credit score
Shopping with Klarna does not affect a credit score. However, information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders.
No spending limits
There are no spending limits when shopping with Klarna, however, there is a new automated approval decision about how much someone can spend with them is made each time you pay with Klarna.
See more on Klarna’s spending limits here.
The Cons
Credit check
Klarna performs a credit check depending on the payment option chosen at the checkout. A soft credit check is performed when their Buy Now, Pay Later method is applied for, this will not affect a credit score. However, data about payments is shared to credit reference agencies which are visible to other lenders. A hard credit check will be performed when one of Klarna's financing options is applied for, which may affect a credit score.
See more on Klarna’s credit checks here.
The Cons
Credit check
Klarna performs a credit check depending on the payment option chosen at the checkout. A soft credit check is performed when their Buy Now, Pay Later method is applied for. However, data about payments is shared to credit reference agencies which are visible to other lenders. A hard credit check will be performed when one of Klarna's financing options is applied for, which may affect a credit score.
See more on Klarna’s credit checks here.
The best way to shop
See all of your purchases in one place, pay any open balances, explore unique content and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, Klarna Customer Service is there for you.
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.
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.
Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. Late fees may apply. T&Cs apply. klarna.com/uk/terms-and-conditions
Frequently asked questions
Visit Klarna's FAQ page to find out more about using Klarna.
Contact Klarna directly with queries or more information -
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.
Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions
Contact Klarna directly with queries or more information -
Have some of these products? Let us know how you like them on our socials or leave a review!
Are you wanting to stock up for the due date but hesitant to purchase due to current lack of space, having to manage a budget or just need more time to decide on the nursery room layout? We offer our customers a free of charge Nursery Plan to hold all your baby goods till you are ready to pay and collect. For more information about our free Nursery Plan service click here or visit us in store to chat to one of our friendly team members.
Want to learn more about the best products for your little one? Check out our posts below;
ADAC Car Seat Test Results Autumn 2023
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Have you used Klarna with us before? Let us know your experience with Klarna on our socials or leave a review!
Are you wanting to stock up for the due date but hesitant to purchase due to current lack of space, having to manage a budget or just need more time to decide on the nursery room layout? We offer our customers a free of charge Nursery Plan to hold all your baby goods till you are ready to pay and collect. For more information about our free Nursery Plan service click here or visit us in store to chat to one of our friendly team members.
Want to learn more about the best products for your little one? Check out our posts below;
ADAC Car Seat Test Results Spring 2022
Baby's first holiday? Our six favourite picks for a stress-free holiday