Different ways to spread the cost
We offer payment options from different providers, including Klarna, Snap Finance and ClearPay
As always: Please spend responsibly – borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Klarna Payment Options
At GetGeared, 3 Klarna payment options are available for you
- 'Pay in 30 days' and
- 'Pay in 3 instalments' are exempt (unregulated) credit products.
- 'Klarna Financing' from 6 - 36 months is also available, which is a regulated credit product.
To be eligible for any Klarna payment option, you must:
- Be a UK resident
- Be at least aged 18
- Have a valid bank card/bank account
- Have a positive credit history
- Be able to receive verification codes via text
Klarna is not offered on every purchase
Whether Klarna payment options are available for you in the checkout depends on a number of factors. But it is worth knowing the following: Each purchase is a new decision, so one rejection does not mean that your future purchases will always be declined. Attempting too many purchases in a short amount of time may result in being rejected (fraud prevention). The approval decision is not based solely on credit information, but rather multiple internal data points such as past payment history.
Klarna payment options explained
Pay in 30 days
For baskets up to £250 you can buy today and pay in 30 days.
No fees, interest or credit agreement.
And with free returns you only need to pay for what you keep.
'Pay in 30 days' allows you to get up to 30 days to pay for your goods with no late fees or interest. This product is completely interest-free, and there are no late fees or interest applied. Pay in 30 days is an unregulated (exempt) product.
How does 'Pay in 30 days' work?
Klarna's 'Pay in 30 days' allows you to receive your order up front and get up to 30 days to pay without any interest and fees. It works best if you can access the Klarna app. There you'll have the option to pay off the balance earlier or extend the due date to a later date if needed.
If your order is eligible for 'Pay in 30 days', the option will be presented at the time of checkout. As soon as we ship your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable online or in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!
Good to know: There is no fee to use 'Pay in 30 days'!
Pay in 3 instalments
For baskets between £99 and £1,000 you can pay in 3 equal payments every 30 days.
No fees, interest or credit agreement.
Instant credit approval at checkout.
'Pay in 3 Instalments' allows you to spread the purchase cost over 3 equal payments, paid monthly. This product is completely interest-free and there are no late fees or interest applied. Pay in 3 instalments is an unregulated (exempt) product.
What is Pay in 3 and how does it work?
'Pay in 3' is an alternative to traditional credit but without any interest, which allows you to split purchases into 3 payments. These payments will be automatically withdrawn from the debit/credit card you have on file with Klarna every 30 days, until the full order amount has been paid. In the Klarna app, you'll also have the option to pay off a single instalment or even the entire balance earlier if preferred. However, at this time it's not possible to change the scheduled payment date to a later date.
If your order is eligible for 'Pay in 3', you can select the option in the checkout and enter your debit or credit card information. When you attempt to place an order using our Pay in 3 payment method an authorisation hold is placed on the card you have connected in the Klarna App, to reserve the funds for the first instalment.
As soon as we ship your order, you will receive an email from Klarna outlining your payment schedule and the first payment will be taken from the reserved amount on your credit/debit card. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!
Good to know: There is no fee to use 'Pay in 3'!
Pay over 6 months or more with Klarna Financing
Available on baskets over £250. Spread the cost from 6 months up to 36 months.
0% interest available from 6 to 36 months on selected products.
9.9% interest available from 36 months on selected products.
For when you need to spread your payments over 6 months or more, we offer Klarna Financing. Klarna's Financing products are regulated credit agreements. They are defined as a 'fixed sum credit', which in turn means they are regulated credit agreements with a fixed duration (term) and for a fixed value. The Klarna fixed sum credit options available at GetGeared cover interest-free and interest-bearing options, depending on the amount you borrow, and may incur a default fee if a repayment is missed.
What is 'Financing', and how does it work?
Klarna Financing is a regulated, 'traditional' retail credit agreement
Klarna's Financing options available at GetGeared are credit plans with repayment terms ranging between 6-36 months and interest rate offers between 0% and 9.9%. Interest rates depend on the term of the credit agreement and will be displayed at the point of checkout.
If you choose to buy with Financing, Klarna will carry out a review of your financial circumstances, including an affordability assessment, and a full credit search. If you are approved Klarna will then extend a line of credit for your purchase. The goods you ordered will be sent to you by GetGeared, like any other order you place with us. We will send you an email to confirm your order and its expected delivery date. Separately, you'll receive a physical copy of your credit agreement from Klarna within a few days, as well as a welcome email with a link to your first monthly statement. The credit agreement becomes effective when we send the goods to you. Your statements and payments will be visible and manageable in your Klarna App.
To be eligible, the following is required
To be eligible for Klarna credit products you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of your financial circumstances and a full credit search.
Representative example without 0% or 9.9% offers: Representative 18.9% APR (variable). Purchase interest rate 18.9% p.a. (variable). Assumed credit limit £1,200. Please note that late or missing payments may have severe consequences and cause you serious money problems.
Need more information?
Please refer to your credit agreement, Klarna's Terms and Conditions (https://www.klarna.com/uk/terms-and-conditions/) or contact Klarna if you need further support.
GetGeared (E-Channel Partners Limited) at 290 Kingston Road, Leatherhead KT22 7QE is authorised and regulated by the Financial Conduct Authority (FCA FRN 726506) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB. Please note that 'Pay in 3 instalments' and the 'Pay in 30 days' agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Also see: https://www.klarna.com/uk/terms-and-conditions/
Representative example without 0% or 9.9% offers: Representative 18.9% APR (variable). Purchase interest rate 18.9% p.a. (variable). Assumed credit limit £1,200.
Risk Warning: Please note that late or missing payments may have severe consequences and cause you serious money problems.