Finance


Who Is the Finance Provided By?


Fohën Limited acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ). Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged over 18, subject to status, terms and conditions apply. Registered office: Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

Klarna Bank AB (publ) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit www.klarna.com. Finance is only available to permanent UK residents aged between 18-80, subject to status, terms and conditions apply.

klarnapay

Will I Qualify for Finance?


To apply for one of our credit options you must meet the following criteria:

✔ Over 18 years of age

✔ A UK resident with at least 3 years continual address history

✔ Be in full time employment, unless retired or a house person with a spouse in full time employment

✔ Have a UK bank account capable of accepting Direct Debits

✔ The goods must be delivered to your home address (submitted on your application)



How Do I Finance My Purchase?


1. Add the items you want to add your basket and proceed to checkout.

2. Fill in all your Shipping Details. When on the Payment page, in payment options select "Buy now, pay later with Klarna", you can then select the finance option which you require.

3. You will be asked to complete a simple online application, it's quick, easy and you'll get the decision within a matter of seconds. There is NO paperwork to be posted and NO physical signature required!


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. Fohën 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 Fohën 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.