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Evening Standard
Evening Standard
World
Nuray Bulbul

Harrods: How does buy now pay later scheme work with Klarna?

Harrods and Klarna have extended their buy now, pay later partnership

(Picture: Damien Hewetson / PA)

Luxury buyers can now use Klarna’s buy now, pay later option to spread out the cost at Harrods.

Initially introduced last Christmas as a “pay in three installments” to spread the cost option for beauty purchases, this year it has expanded to cover all five departments.

Shoppers can even choose the option at the checkout in the brand’s flagship Knightsbridge store.

How does the buy now, pay later scheme at Harrods work?

In order to be eligible for the Klarna scheme, shoppers must be at least 18 years old and have a matching billing and shipping address.

There is no need to already have a Klarna account.

For those shopping online, place your chosen items in your basket, select the Klarna option at the checkout, and double-check you’re happy with the three payment installments before submitting your order.

Klarna offers pay in three or pay in 30 days credit agreements, which allows you to split purchases into three payments or pay within 30 days.

These payments will be automatically withdrawn from your debit or credit card until the full order amount has been paid. On the app, you’ll also have the option to pay off a single instalment or even the entire balance earlier if preferred. However, it’s not possible to change the scheduled payment date to a later date.

Harrods’ website says: “Harrods is not a lender and acts only as an introducer. Please spend responsibly.

“Missed payments may affect your ability to use Klarna in the future. Klarna’s pay in three instalments and pay in 30 days credit agreements are not regulated by the FCA. 18+, UK residents only.”

“No interest, no fees. Credit subject to status.”

To use Klarna in the Knightsbridge store and all H beauty stores, you just need to have a UK bank account and apply for a one-time shopping card on the Klarna app.

It is best to complete this before your trip as it may take some time for Klarna to assess your application and allow you to use the service.

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