Payment & Security

Hunts Office is not a lender and acts only as an introducer. 

The credit product is provided by Klarna Financial Services UK Limited. Credit is only available to permanent UK residents aged 18 and over, depending on their status. Klarna Terms and conditions apply. 

Please note that Pay in 3 instalments are not regulated by the FCA.

Please spend responsibly, 18+ (T&Cs apply see below). Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to handle their payments securely.

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 first 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. There are no fees when you pay on time.  Please see Klarna's terms and conditions for late fees that apply from the 16th March 2023.   https://www.klarna.com/uk/terms-and-conditions/

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.
 

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.

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.

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.

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.

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 first 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.
 

Yes. Use the Klarna app or log onto Klarna.com/uk
 

Yes. Payment information is processed securely by Klarna. No card details are transferred to or held by Hunts Office. All transactions take place through connections secured with the latest industry-standard security protocols.

Klarna will notify you by email and push notification 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

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. 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.   https://www.klarna.com/uk/terms-and-conditions/
 

If you have not received your goods please contact

 us 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.

If no dispute has been raised, as soon as Hunts Office has confirmed with Klarna that your cancelation/return has been accepted, Klarna will cancel any future scheduled payments and refund any amounts due. You will see the return in the Klarna app immediately.

Refunds will be issued back to the debit or credit card which was originally used at checkout.

Once Hunts Office has received the return and Klarna receives 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.

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.

Visit the Customer Service page within the Klarna app 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.  https://www.klarna.com/uk/terms-and-conditions/