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Your dream sofa? That new dining table? Get your happy place started (and finished) with our new financing option. Interested? Select Klarna at the checkout and pay for your purchases in interest-free monthly instalments.

Pay in 3

When you spend between £35 and £1000, you can choose to pay in instalments using Klarna. With Pay in 3, you can split the cost of your order over three equal monthly instalments. You'll make your first payment at checkout, while the others will be automatically collected from the card you paid with.

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. You must be 18+ and a UK resident to be eligible for this credit offer. T&Cs apply.

How it works

STEP 1
Fill your basket and head over to the checkout. 

STEP 2
If your order total is between £35 and £1000 (including delivery charges), you'll be given the option to pay with Klarna. Select Klarna and follow the remaining steps through checkout.

STEP 3
You'll receive an email confirmation and details on how to make payments.

Monthly payment calculator

Enter total basket value:

Pay in 3

For orders between -

0 pm for 3 months

First payment at checkout

Total:

NO FEES OR INTEREST

Calculations are rounded to the nearest two decimal places. Actual payments may vary within a few pence, but the cumulative value will never exceed the total amount payable. Order total includes delivery charges.

FAQs

Pay in 3 FAQs

How does Pay in 3 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 ​us,​ 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?

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.

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.

How can I increase my chances of being accepted for Pay in 3?

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 Klarna needs to reach you. All communications will be sent to your email address. It's very important that you give the correct details, 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​ MADE run credit searches against you that could impact your credit rating.

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.

Is my payment information safe?

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

When is my payment due?

Payment for your Pay in 3 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 are collected 30 and 60 days after the first instalment.

Klarna will notify you via email and push notification 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 check the status of your order and payments by logging in at Klarna.com/uk.

What happens with the repayment agreement if I cancel or return my order?

As soon as we have accepted your cancellation or 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.

Once​ we have 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.

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days. Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

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 from the debit or credit card you entered at checkout. If Klarna is unable to collect your payment on the scheduled due date they 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.

Can I pay before the due date?

Yes. Just go to the Klarna app or log in at 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 Klarna.com/uk.

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

In the event that your goods have not been received please contact us​ 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 haven’t received an email with my statement or payment information.

You can log in the Klarna app or at 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 page​ for a full list of FAQs, live chat and telephone options.

Made.com Design Limited trading as Made.com is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited’s FCA registration number is 626349 and its address is Salts Piazza Offices, Salts Mill, Victoria Road, Saltaire, BD18 3LA. Product Partnerships Limited’s permitted business is to act as a principal for a network of appointed representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

 

Made.com Design Limited acts as a credit broker not a lender and will only introduce you to Klarna AB (FRN: 536065). We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 3 instalments is not regulated by the FCA. For more information about privacy, please see Klarna's Privacy Notice.

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