Who is Klarna?
Klarna Bank AB is a Swedish bank that provides online financial services. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments. Klarna is regulated by the Swedish Financial Supervisory Authority (SFSA), since Klarna has its banking license in Sweden. However, Klarna is also required to comply with a number of relevant Financial Conduct Authority (“FCA”) rules in the UK under the FCA’s temporary permissions regime.
Will I be able to get credit?
Your eligibility for finance from Klarna will be subject to your individual circumstances. However, you will need to:
- be 18 years or older;
- have a valid mobile telephone number and email address;
- have a UK home address; and
- have a credit/debit card that will be valid for 60 days after placing your order.
Will a credit search take place against me?
If you choose the 3 month interest free option, Klarna will only conduct a soft-search assessment that will not affect your credit rating. However, Klarna will conduct a full credit check if you apply for 12, 24, 36 or 48 months finance.
How Does the 3 month Option work?
Spreading the cost over 3 months allows you to divide the cost of your purchase over 3 equal payments with no interest. These payments are automatically collected from the debit or credit card you enter at checkout whether instore or online. The first instalment will be collected when your order is confirmed, and the second and third instalments are then scheduled for 30 and 60 days later. It is important when you apply that your credit/debit card will be valid for at least 60 days thereafter to avoid any issues with payment.
If Klarna is unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this second payment attempt fails, Klarna will issue you with a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.
How do the longer payment options work?
Once your Klarna account is set up, you will receive emailed monthly statements. You are responsible for making the agreed repayments on time and in full. You can choose to make a manual payment each month or set up automated direct debit payments via your online Klarna account or the Klarna app.
Go to www.klarna.com and log in to access your Klarna account, or if you have any questions regarding your account, contact Klarna customer support team on 0808 189 3333.
If you miss a payment or don’t pay in full, Klarna will charge £12 each missed payment.
What information do I need to provide when I make a safe purchase using Klarna?
If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important that you give us the correct details, as otherwise you will not receive the payment information.
Payment information is processed securely by Klarna. No card details are transferred to or held by Camperite Leisure. All transactions take place via connections secured with the latest industry standard security protocols.
In order to be able to offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.
General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy.
What happens if I cancel my order?
Once we have processed your cancellation or return, Klarna will process a refund in five to seven working days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
The Legal Information about Camperite Leisure
Camperite Leisure Limited is registered in England and Wales 05164192. Registered Office. Avaland House, 110 London Road, Apsley, Hemel Hempsted, Herts. HP3 9SD. Camperite Leisure acts as a credit broker and only offers credit products from Klarna. Camperite Leisure is authorised and regulated by the Financial Conduct Authority. Our registration number is 652918. Credit provided subject to age and status. Please note the address above is only our registered office. For all sales enquiries and visiting us please contact us at Camperite Leisure Ltd Flyover Nurseries Coggeshall Road Marks Tey Colchester, Essex. CO6 1LJ Tel 01206 210551 Email sales@camperite.co.uk