Klarna Pay Later In 3 Interest-Free Instalments
FAQs

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

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Radiator Cabinets UK​ and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the ​Klarna app​.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments 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 in 3 interest-free instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 3 interest-free instalments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean it will be denied for future orders.

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

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you’ll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor​ Radiator Cabinets UK​ run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as Radiator Cabinets UK​ have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Radiator Cabinets UK from the debit or credit card you entered at checkout. If we 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 will not be charged fees or interest for late and/or missed repayment(s). Your credit score will 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 Klarna in the future. We 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 our behalf. Debt collection agencies are used as a last resort.

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

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto https://www.klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Radiator Cabinets UK​. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto https://www.klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at https://www.klarna.com/uk.

What happens to my statement, when I’ve returned the goods?

Once​ Radiator Cabinets UK ​has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I’ve received a statement, but I’ve not yet received my goods.

In the event that your goods have not been received please call Radiator Cabinets UK​ to check on your order and delivery status. You can also contact Klarna’s ​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’ve cancelled my order. How long will it take until I receive my refund?

As soon as Radiator Cabinets UK has registered your cancellation or your return, the refund will be processed within 5 business days.

I’ve asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at https://www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s​ customer service for a full list of FAQs, live chat and telephone options.

Trustpilot Reviews

"Great radiator covers, very high quality and very well made, can’t fault in any way... look very high end !! Easy to assemble and fit perfectly ...
Staff and customer extremely helpful Too!"

Charlene Davis

"Great product and service. Absolutely love our cover. Changes the whole look of our hall. Love it!"

Fiona Cupples

"Great product and service.
Really pleased with our radiator cabinet which has greatly improved our hallway.
The cabinet has a high-quality finish and is well constructed. It looks and feels substantial, but with the benefit of being extremely easily fitted.
The cabinet was well protected for delivery, which provided an immediate reassurance this was a quality product.
We’re so please we’ve decided to order another one."

Bryan G

"Very nice product and excellent customer services."

Ali

"Very happy great quality value for money brilliant customer service would definitely use again and highly recommend"

Karen Lee

"Excellent product, very well made and easy to install."

Tom Evans

"I couldn’t be happier with my mirrored radiator cabinet. The workmanship is fantastic, and it makes my room look bigger. It’s definitely worth the money. The company was great to deal with, and I will definitely be purchasing another one shortly. The cabinet comes carefully packaged to avoid damage in transit. Absolutely first class. Furthermore, the delivery guy called me up and asked me when a convenient time would be for him to deliver the cabinet. As I work all day I asked for as late as possible and he turned up as agreed, on time. Very helpful. Extremely happy all round."

Chiara C

"Excellent people to deal with both before and after purchasing. The quality of the cabinets is superb, this is our second. Very easy to install and they look fantastic. The two lads who delivered it, late Sunday in the pouring rain could not have been more friendly or helpful."

Nigel

"Really high-quality product and excellent service. We’ve now purchased 5 radiator covers through Radiator Cabinets UK and we are so pleased with the product. I double-checked sizing every time before ordering but each cover is always made to correct size. They are solid, high quality and a premium product."

Paul Carr

"I’ve just received my radiator cabinet today and my husband fitted it in about 10 minutes.
Very good quality, colour matched to my existing paintwork and looks fantastic.
I would definitely order again."

Wendy James

"Great piece of joinery, fits perfect and looks really good.
Great service provided by RC UK.
Leon (Dorking)"

Leon Gadsdon

"Never dealt with them before but the experience was very good,
from quotation to delivery they are first class.
The product is excellent and the fitting was professional I have no hesitation in recommending them."

Andy Plimmer

"LOVE IT!!!! Amazing service from start to finish. Very responsive and helpful. Product is amazing quality and has totally transformed my lounge. Will definitely be ordering more for other rooms when the time comes."

Toriaeh

"Amazing quality and excellent communication with John.
The mirrored cabinets look stunning and have completely changed the room, will definitely be ordering more."

Kay

"Have just installed my new radiator cover received from Radiator Cabinets UK. Very pleased with the finished product. Was kept informed of work and delivery options, and called before delivery. Would definitely order again
"

Suzanne Saward

"We've just had 3 radiator covers from John having trawled the internet for months before plucking up the courage to order.

Customer service was professional and speedy, with any questions answered within hours rather than days.

We had 1 really tricky cover but having some advice from John it has turned out beautifully.

Quality of the covers is great, as is the simple installation, and I have to give a shout out to the driver. Really friendly and helpful.

We would definitely recommend John and would like to thank him for helping us finish our home."

Wayne Langford

"Great service, beautiful cover, very well made and packaged (no chance of damage in transit), highly recommended"

Graham