OPTIONS
Pay in 30 days. Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees when you pay on time.
Pay in 3 instalments Interest free. The first instalment will happen at the point of order. No fees when you pay on time.
We also offer interest free and flexible finance options so you can pay for your furniture in easy-to-manage installments over 9 - 48 months.
To work out which finance option is best for you and which instalment amounts are best suited to your financial circumstances, after adding products to your basket, proceed with the Klarna payment option at checkout for further information. If you wish to proceed with your finance application, you can do this through our online checkout from the comfort of your own home, at a time which is convenient for you. Please note that delivery (under a finance agreement) can only be made to your credit application address. No fees when you pay on time.
Subject to financial circumstances. You must be at least 18. Terms and conditions apply. Credit provided by Klarna Financial Services UK Ltd, 7th Floor, 33 Cavendish Square, London, W1G 0PW, United Kingdom. If you already have a Klarna Credit account, this purchase will be added to your balance. Not paying according to terms may cause your interest rate to increase as described in the representative example below.
Representative example: Representative APR (variable) 18.9% APR with an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a.
Style Our Home Limited is authorised and regulated by the Financial Conduct Authority in relation to credit broking (FCA FRN 623614) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Financial Services UK Ltd. Style Our Home, Venture Point, Towers Business Park, WS15 1UZ, Staffordshire.
Klarna Financial Services UK Ltd is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.
Shop now. Pay later with Klarna.
Part 1: How it works
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.
Here’s how it works:
Step 1
Add products to your cart and select “Klarna” when you check out
Step 2
Enter a few personal details and you’ll know instantly if you’re approved
Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.
Part 2: Payments information
Pay in 30 days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees when you pay on time. No impact to your credit score.
Paying after delivery allows you to try before you buy and is the easiest way to shop online.
- Complete the payment in full after purchase at no added cost. Late payment fees apply.
- Report returns directly in our app and only pay for the items that you keep.
- Not making your payment on time could affect your ability to use Klarna in the future. - Debt collection agencies are used as a last resort.
You must be 18+ and a UK resident to be eligible for this credit offer. -> Pay Later Terms and Conditions
Pay in 3 interest-free instalments
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.
No interest. No fees when you pay on time. No impact to your credit score.
- A new way to pay that's an alternative to a credit card.
- 3 instalments gives you flexibility to shop without interest or hidden fees. Late payment fees apply.
- Not making your payment on time could affect your ability to use Klarna in the future. - Debt collection agencies are used as a last resort.
You must be 18+ and a UK resident to be eligible for this credit offer. -> Pay in 3 Terms and Conditions
Part 3: About Klarna
Pay online or in the app
Review your latest purchases and make payments in the Klarna app or online.
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● Download the Klarna app: https://www.klarna.com/app
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● Log in online: https://app.klarna.com/login.
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● Chat with customer service:
https://www.klarna.com/uk/customer-service/
Safe and secure
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.
Frequently asked questions
Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.
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More than 90 million shoppers are using Klarna.
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200,000 retailers are working with us worldwide.
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We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.
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.
Style Our Home Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Financial Services UK Ltd. 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 30 days and Pay in 3 instalments are not regulated by the FCA.
Pay later in 30 days Frequently Asked Questions
Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.
How does Pay later in 30 days work?
Pay later in 30 days is a credit product which lets you pay any time within 30 days of your purchase without interest or fees. Late payment fees apply. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.
Am I eligible for Pay later in 30 days?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay later in 30 days. When you choose Klarna they will also check the information you provide and your financial situation.
Can I have multiple Pay later in 30 days orders at the same time?
Yes, you can. If you see Klarna Pay later in 30 days when you go to an online checkout then Pay later in 30 days is available to you. Every time you use Pay later in 30 days, Klarna will check to see whether you can use the service again for each additional purchase.
What does Klarna consider when reviewing my application?
Klarna offers Pay later in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days 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 30 days before does not mean it will be offered for every order. In turn, if your application for Pay later in 30 days 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 purchase something using Klarna’s Pay later in 30 days, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.
Will a credit search take place?
When you use Pay later in 30 days, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
How do I make repayments to Klarna?
You can pay any time within 30 days of your purchase without interest or fees. Late payment fees apply. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details.You can see both past and future payments using the Klarna app.
I have been asked to go to the Klarna site. Is this correct?
If you choose to pay for your order using Pay later in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Style Our Home. All transactions take place through connections secured with the latest industry standard security protocols.
How do I know Klarna has received my payment?
Klarna will notify you by email and push notication when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.
What happens if I don’t pay for my order on time?
Pay later in 30 days is a credit product and you are required to make your payment to Klarna. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.
What happens if I don’t pay for my order?
As pay later is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future
I've received a statement, but I've not yet received my goods.
If you have not received your goods please call Style Our Home to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they 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.
What happens if I cancel or return my order?
As soon as Style Our Home has confirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
I have canceled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.
I have asked for a refund. How will I be refunded?
Refunds will be issued back to the debit or credit card which was originally used at checkout.
What happens to my statement, when I have returned the goods?
Once Style Our Home has received the return and Klarna have received our confirmation, Klarna 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.
What happens to my statement when I have returned part of my order?
Once Style Our Home has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.
I haven’t received an email with my statement/payment information.
You can log in the Klarna app or at 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 page for a full list of FAQs, live chat and telephone options.
Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.
Pay in 3 instalments Frequently Asked Questions
Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.
How does Pay in 3 instalments work?
Klarna’s Pay in 3 instalments is a credit product that lets you spread the cost of your purchases over 3 equal payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the rest payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app. No fees when you pay on time.
Am I eligible for Pay in 3 instalments?
You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3 instalments. When you choose Klarna they will also check the information you provide and your financial situation.
Can I have multiple Pay in 3 instalments orders at the same time?
Yes, you can. If you see Klarna Pay in 3 instalments when you go to an online checkout then Pay in 3 instalments is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.
What does Klarna consider when reviewing my application?
Klarna offers Pay in 3 instalments based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 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 in 3 instalments before does not mean it will be offered for every order. In turn, if your application for Pay in 3 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 purchase something using Klarna’s Pay in 3 instalments, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.
Will a credit search take place?
When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.
How do I make repayments to Klarna?
Klarna will take your Pay in 3 instalments payments from the debit or credit card you shared when you made your purchase. Klarna will take the rest payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app. No fees when you pay on time.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Style Our Home. All transactions take place through connections secured with the latest industry standard security protocols.
How do I know Klarna has received my payment?
Klarna will notify you by email and push notication when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.
What happens if I don’t pay for my order on time?
Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. Late payment fees apply. This means you may find it difcult or more expensive to use Klarna or other lenders' credit products in the future.
Full details can be found in the Klarna terms and conditions here.
What happens if I don’t pay for my order?
If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. Late payment fees apply. This means you may find it difcult or more expensive to use Klarna or other lenders' credit products in the future.
Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
I've received a statement, but I've not yet received my goods.
If you have not received your goods please call Style Our Home to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they 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.
What happens if I cancel or return my order?
As soon as style Our Home has confirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.
I have canceled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.
I have asked for a refund. How will I be refunded?
Refunds will be issued back to the debit or credit card which was originally used at checkout.
What happens to my statement, when I have returned the goods?
Once Style Our Home has received the return and Klarna have received our confirmation, Klarna 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.
What happens to my statement when I have returned part of my order?
Once Style Our Home has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.
I haven’t received an email with my statement/payment information.
You can log in the Klarna app or at 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 page for a full list of FAQs, live chat and telephone options.
Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.
PAY OVER TIME FREQUENTLY ASKED QUESTIONS
Do you offer a financing plan?
We have partnered with Klarna to offer credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over [ 9 ,12, 24, 36 or 48 ] months.
Who is Klarna?
Klarna is a global payment service provider that takes end-to-end responsibility for your payment. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.
How do I place an order using Financing with Klarna?
To purchase with Klarna Financing, add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start your application for Klarna Financing. You will be asked to provide information about yourself which is required to check your eligibility. If you are approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application and you won't have to leave our website.
Am I eligible?
To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances. A full credit search will also be performed when you apply for a Klarna Financing agreement.
What details do I need to provide when I make my purchase?
You will need to provide your name, billing address, email address and phone number, as well as your employment and bank details.
Will I be required to pay anything when I apply?
In some cases, you may need to pay a portion of the balance as a deposit up front. If this is the case, you will be prompted to make a deposit as part of the Financing application.
If I make my purchase on a Klarna Financing plan, will I pay interest?
Our Financing options are credit plans with repayment terms ranging between 6-36 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month.
Can I set up automatic monthly repayments?
During the Klarna Financing application you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will debit your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything. It is important to ensure that you have enough funds in your account to cover the repayments on your due date each month.
Will I receive an email confirmation when purchasing with Klarna Financing?
If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you receive all Klarna communications related to your Financing plan.
If I apply for Klarna Financing, will this affect my credit score?
When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can contact Klarna’s customer support team.
What if I am late or miss a payment?
Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna Customer Service via the support section of the Klarna app or via Klarna’s customer support page.
I purchased my item on a Klarna Financing plan and I would like to return it.
Please contact our support team at Style Our Home, [email protected] to process your return. Once your return has been processed your Klarna Financing plan will be adjusted.
How long will it take until I receive my refund?
As soon as the store has registered your cancellation or your return, we will credit the balance back to you or process a refund. This is usually completed within the next 5 business days.
I still have questions about Klarna Financing.
Please visit Klarna’s Customer Service page for a full set of FAQs. Alternatively, you can contact Klarna via live chat from their website, by downloading the Klarna app or over the phone.
Style Our Home Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 623614) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Financial Services UK Ltd. Klarna Financing is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply[Terms and Conditions ].
TERMS
Please note:
As we fully subsidise the cost of finance, we can only offer finance payment options to you on full price items and regret that we cannot offer finance in conjunction with a discount promo code or for in-sale items.
The balancing decision is yours as to whether you take advantage of any available discounts or whether you take advantage of our attractive, competitive and available finance options to pay for your furniture in instalments.
Delivery of goods will be completed to the post code address detailed on the Klarna finance application procedure.