Finance


Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Part 1: 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. 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. - 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 -> https://www.klarna.com/uk/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. 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. - 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 -> https://www.klarna.com/uk/terms-and-conditions/


Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/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.

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.

About 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.

  • More than 90 million shoppers are using Klarna.
  • 200,000 retailers are working with us worldwide.
  • 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. Fohen Limited is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). 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.

Our Most Frequently Asked Finance Questions


Who are Klarna Bank AB?

Klarna Bank AB is a Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK. Fohen Limited chose Klarna Bank AB due to their ease of use, speedy process and their incredible experience. If you’re successful with your application, you will enter into a Credit Agreement with Klarna Bank AB. Klarna Bank AB is a trading name of Klarna Bank AB (publ).

What do I need to apply?

At the payment stage you will be required to fill out the online form and add an electronic signature. Please make sure you use your full name and address.

A transaction of 50p will be authorised against a credit or debit card you own, no money will be taken from your card the process is designed to protect you and us against fraud, the details are only used to confirm they are valid and registered to your address.

When do repayments begin?

All monthly payments are paid by direct debit from the applicant's bank account. Typically, the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.

Can I use finance to purchase multiple items?

Yes, you can add multiple items to your basket, when you get to checkout select payment option pay by Klarna Bank AB.

I have a question about finance who do I speak to?

If you have a question about finance, please email our Customer Service Team hello@fohen.co.uk or call 0808 196 2480.

I've got a question about the status of my finance application?

Please contact us at hello@fohen.co.uk . Klarna Bank AB may also email you to advise you on the status of your application. Klarna Bank AB will use the email address you provided on the application form but if you haven't received any emails from them, p lease check your junk and spam mail folders.

How do I amend my order?

Contact us directly if you want to amend any part of your order, including delivery. You will be able to find our contact details on our web site contact us page.

Why was my application declined?

Applications can be declined for a whole host of reasons. Unfortunately, we are not given the reason why a customer is declined for a credit application. The authorisation process is carried out by the Klarna Bank AB and Fohen Limited has no part in the decision.

The decline message is sent to you by the Klarna Bank AB, with no justification or explanation. If you wish to find out more please contact the Klarna Bank AB directly. Their details can be found in the email you received from Klarna Bank AB confirming the lending decision.

I'm having problems uploading my proof of identity.

You need to carefully follow the instructions on screen to upload your proof of identity image. You can use a smartphone camera to take a picture of your identity document, there's no need to have a scanner.

I'm having problems paying my deposit online.

You need to carefully follow the instructions on screen to upload your proof of identity image. You can use a smartphone camera to take a picture of your identity document, there's no need to have a scanner.

I'm having problems uploading my proof of identity.

Please carefully re-enter all your card details. Your card must be enabled for 3-D Secure for Klarna Bank AB to take payment online. Please note: Klarna Bank AB cannot take card payments over the phone or by any other means.

How do I find out more?

You can find out more by downloading the app: https://www.klarna.com/app or logging in online: https://app.klarna.com/login

Safe and secure With Klarna- You are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases. If you have any questions visit https://www.klarna.com/uk/customer-service/ to find out more.

What Finance Packages Do You Offer?

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. No impact on 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.
  • 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 in 3 interest-free installments

Spread the cost of your purchase into 3 interest-free installments. The first payment is made at the point of purchase, with the remaining installments 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. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 3 installments gives you the flexibility to shop without interest or hidden fees.
  • 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.