Klarna – Shop Now, Pay Later (Pay in 30 Days or 3 Instalments)

We’ve partnered with Klarna to bring you easy “buy now, pay later” options at Evoke Home. Klarna is a leading payment provider from Sweden, trusted by over 80 million shoppers worldwide for its smooth and secure finance solutions. With Klarna, you can choose either to Pay in 30 Days (buy now and pay a month later) or Pay in 3 Instalments (split your purchase into three payments). These options are interest-free, giving you flexibility and control over how you pay, while you enjoy your new home furnishings right away.

How Klarna Works

Klarna Pay in 30 Days: Get your item now and pay later, within 30 days of shipment – no upfront payment needed. At checkout, select Klarna Pay in 30 Days as your payment method. Once your order is confirmed and dispatched, Klarna will email you an invoice with your payment due date (30 days from the dispatch date). You can pay any time within those 30 days – interest-free and fee-free when paid on time. This option is perfect if you want to try out your purchase at home before paying. Klarna will send friendly reminders, and if you’re ready early, you can complete the payment in advance through the Klarna app or online portal.

Klarna Pay in 3 Instalments: Split your purchase into 3 equal payments for easier budgeting. When you choose Klarna Pay in 3 at checkout, you’ll pay roughly one-third of your order total as the first instalment. This first payment is taken when your order is confirmed (usually at dispatch). The next two instalments are then automatically collected 30 days and 60 days later – each one-third of the order total. For example, if you bought a sofa for £900, you’d pay £300 at purchase, £300 one month later, and £300 in two months. No interest is charged on these instalments, and as long as you pay on time, there are no additional fees. Klarna will notify you before each due date, and you can track or pay off the plan anytime in the Klarna app.

Why Choose Klarna?

Buy Now, Pay After Delivery: With Pay in 30 Days, you have the flexibility to receive your furniture, make sure you love it, and then pay. It’s a try-before-you-buy approach – ideal for home items. Enjoy up to 30 days to pay without interest or hidden charges.
Budget-Friendly Instalments: With Pay in 3, spread the cost over time. Breaking a payment into three chunks makes larger purchases more manageable on your monthly budget. You get the item now while paying it off over ~2 months, interest-free.
Zero Interest, No Hidden Fees: Klarna’s pay later options come with 0% interest – you only pay the price of your product, no extra. There are no setup fees. Just be sure to pay on time to avoid any late fees. Klarna won’t charge you any fees upfront or during the plan as long as you meet your payment dates.
Simple & Instant Approval: It’s easy to use Klarna. Select it at checkout, enter a few details, and you’ll get an instant decision on your application. No lengthy forms – the process is integrated and user-friendly.
Safe and Secure Purchases: Shop confidently with Klarna. Klarna’s Buyer Protection covers your order – meaning if something goes wrong (like an issue with delivery or the product), Klarna can assist you. Your personal data is handled securely, and Klarna is an authorised, regulated financial provider in the EU.
Manage with Ease: The Klarna mobile app and website let you manage your payments on the go. You can view your purchase schedule, make an early payment, or extend the pay period if eligible. Everything is transparent and at your fingertips.

Using Klarna at Evoke Home – Step by Step

Add to Cart: Select your desired furniture and proceed to checkout as normal.
Choose Klarna: At checkout payment step, choose Klarna as your payment option. You’ll be able to pick which Klarna plan you want (Pay in 30 Days or Pay in 3) in the Klarna window.
Quick Details: Enter the required information for Klarna (a few personal details and your debit/credit card info for scheduling payments). This is a quick process and approval is instant in most cases.
Complete Order: Once approved, your order is placed! If you chose Pay in 30 Days, no payment is taken today – just remember to pay by the due date. If you chose Pay in 3, your first 1/3 payment is taken at confirmation. Klarna will email you with all the plan details.
Enjoy & Pay Later: Your Evoke Home order is on its way. Manage your Klarna plan via the Klarna app or emails. Klarna will automatically charge your card for Pay in 3 instalments when due, or will await your manual payment by day 30 for Pay later. You’ll get reminders so there are no surprises.

Important Information for Klarna Payments

Eligibility: Klarna is available to UK residents age 18+. When you apply at checkout, approval is subject to your financial circumstances and a credit assessment. Klarna uses a soft credit check to evaluate your application. Don’t worry – this soft search will not impact your credit score or leave a mark visible to other lenders. Approval is not guaranteed; it depends on factors like your order amount and payment history with Klarna.
Spend Responsibly: Klarna’s Pay in 30 Days and Pay in 3 instalment plans are forms of credit. Even though they are interest-free, it’s important to borrow responsibly. Make sure you can afford the payments over the coming weeks. Missing a payment or borrowing more than you can handle may negatively impact your financial status and ability to obtain credit in the future.
Unregulated Credit Agreement: Note that Pay in 30 and Pay in 3 are unregulated by the Financial Conduct Authority (FCA). This means you don’t have the same protections as regulated credit agreements. However, Klarna is a reputable licensed bank from Sweden operating under UK laws for consumer protection. As long as you meet your payments, you will not be charged any interest or fees.
Late Payments: If you miss a payment, Klarna may charge a late fee as per their terms (currently, a capped late fee may apply for overdue Pay in 30 or instalment payments). Klarna will notify you and give a grace period before any fee is added. It’s best to set reminders or enable autopay in the Klarna app to avoid this. Continual missed payments could affect your ability to use Klarna in the future and may be reported, impacting your credit score.
Changes or Cancellations: If you cancel your order or return a product, your Klarna agreement will be adjusted. For returned orders, once we receive and accept the return, Klarna will cancel any remaining instalments and refund what you’ve already paid (if you’ve made a payment) back to your card. If you were using Pay in 30 Days and you return the item, you simply won’t have to pay that invoice (or will be refunded if you already paid). This process is automatic and handled between Evoke and Klarna once we process your return.
Which Klarna option to choose? It’s up to you! Pay in 30 Days is great if you don’t want any upfront cost – you’ll pay the full amount in one go within 30 days. Pay in 3 is ideal if you want to spread the cost into smaller chunks. Either way, there’s no interest. Just pick the one that suits your budget or preference at checkout.
Get the Klarna App: We recommend downloading the Klarna app for the smoothest experience. It will show all your upcoming payments, let you reschedule if needed, and send notifications. It’s free and adds extra convenience to managing your payments.
Questions or Help: If you have any questions about using Klarna at Evoke Home, feel free to reach out to our customer service. Klarna also offers customer support via their app and website. They can assist with payment inquiries, technical issues, or any concerns about your schedule.

By offering Klarna’s Pay in 30 and Pay in 3, Evoke Home gives you the freedom to furnish your space on your terms. It’s all about making shopping easier, transparent, and worry-free. Enjoy your new furniture now, and pay later at your convenience. Happy shopping and happy decorating with Evoke Home and Klarna!