Klarna FAQ's

Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences. Klarna offers pay after delivery options and instalment plans in a smooth one-click purchase experience that lets you pay when and how you prefer. With Klarna, online shopping is fast and flexible. If you would like to shop using Klarna, simply enter your e-mail address and postcode.

Klarna Financing offers the flexibility of paying for your purchase either by splitting the cost into 3 interest-free monthly instalments or allowing you to get your hands on your next Creed fragrance before paying in full with their 30 days interest-free delayed payment option.

Spread the cost of your next Creed purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically by Klarna every 30 days.

Make your purchase today so you can get your hands on your next Creed fragrance before you buy. Pay up to 30 days later. No interest. No fees. No impact to your credit score.

You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3 or Pay Later. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments or your full payment. Pay in 3 and Pay Later are both a credit product. It’s Klarna’s decision whether or not they start a credit agreement with you.

No. Klarna might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, or your chances of using credit in the future. You’ll be able to see it on your credit file, but no one else will.

E-Gift cards and virtual consultations are excluded from qualifying for Klarna payments plus any orders below the £50 threshold.

To make a purchase with Klarna you will need to provide your phone number, email address, billing address, date of birth and a valid debit/credit card. This information will be kept secure by Klarna and Creed Fragrances will not have access to this information. If you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your account is registered). This maximises the changes of your purchase being accepted. All information will be sent to your email address so it is important you provide the right contact details. If you have previously used Klarna, you must use the same email address as you have previously used so Klarna can add the balance to your existing Klarna account and ensure your new purchase is within your available credit limit.

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

No, you only pay the amount of the invoice plus interest as appropriate (if paying by instalments).

Yes, Klarna will need to carry out identity and credit checks. Klarna will carry out identity and credit checks to ensure that the information you have provided is correct and that it is definitely you making the purchase. If a customer decides to make a purchase using the instalment plan option, Klarna are required by law to carry out a credit check in order to protect you against personal over-indebtedness.

When your first payment will be taken depends on the Klarna service you have selected. When selecting the pay in instalment option, Klarna will freeze the first of your three instalments on your card at the point of purchase. This means you won’t be able to spend this money on anything else. Once we’ve shipped your items, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, Klarna will unfreeze your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with. The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment. Klarna will charge your card automatically when your payment is due so you don’t have to worry about paying back the instalments manually or worry about missing a payment. The dates these payments are due will be sent to you by email, and you’ll be able to check them in the Klarna app. When selecting the Pay Later option, you can pay for something you buy up to 30 days from the shipment of your goods. Klarna will send you a payment reminder with details on how to make payment to them directly. If you’d like to pay off your balance before the 30 days is up you can make a payment early through the Klarna App by paying by card immediately. Klarna accepts most cards except prepaid cards. We’ll let you know at checkout if your card hasn’t been accepted.

You must contact Creed customer service team if you wish to cancel or return an item. You do not need to contact Klarna directly to organise a return or refund - your Klarna account will automatically be adjusted once we have processed your order update.

If you choose to cancel your purchase, you must follow our standard returns and cancellation policy. Once your order has been successfully cancelled, Klarna will cancel your outstanding payment that are due. If you want to return part of your order, you’ll only have to pay for the goods you want to keep.

Yes, once our customer services team have processed your refund, Klarna will automatically adjust your balance owed.

If you have chosen the Pay in 3 option, you can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto www.klarna.com/uk. 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.

You can log in to the customer portal at Klarna.com to review your purchases at any time and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team. There is also Klarna app which makes managing your account super easy.

You can view outstanding payments and balances within the customer portal at Klarna.com or via the Klarna app.

Pay in 3: Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Ted Baker from the debit or credit card you entered at checkout. If Klarna are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. You should not be charged fees or interest for late and/or missed repayment(s). Your credit score should not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use the service in the future. Klarna may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on its behalf. Debt collection agencies are used as a last resort.

Pay Later: Payment is due 30 days after the item is shipped. To help you pay on time, Klarna will 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, Klarna will send you a text or letter, too. You should not be charged fees or interest for late and/or missed repayment(s). Your credit score should 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 its behalf. Debt collection agencies are used as a last resort.

Please visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options to find out more about Klarna’s payment services.