Shop now, Pay with Klarna

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?

We have partnered with Klarna to give you a better shopping experience.

So, how does Klarna work in the UK?

Buy now, Pay Later at Baby and Co!

Buy now, Pay Later for all prams, strollers, pushchairs and travel systems, and nursery furniture, car seats and high chairs. All available on finance and in installments from all your favourite brands including Silver Cross, Bugaboo, Mamas & Papas, Venicci, Boori, Ickle Bubba, Maxi Cosi and more.

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 or call us on 0117 986 8184 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.

The two ways are the ‘Buy Now, Pay Later’ methods, ‘Pay in 3 instalments’ and ‘Pay in 30 days’.

Buy Now, Pay Later

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.

Buy Now, Pay Later

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.


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. Also just because someone has been approved before doesn’t guarantee they’ll be approved in the future.


The Pros

Interest-free and fee-free

Klarna does not charge users interest on products nor do they charge membership or annual fees when shopping with them.

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 Pros

Interest-free and fee-free

Klarna does not charge users interest on products nor do they charge membership or annual fees when shopping with them.

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, 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 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.

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 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 -

https://www.klarna.com/uk/ 

https://www.klarna.com/uk/customer-service/ 

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 -

https://www.klarna.com/uk/ 

https://www.klarna.com/uk/customer-service/ 


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;

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KlarnaPay in 3 instalmentsPay in 30 days