Here at Into Music, we offer Klarna's 'Pay in 3' option for our customers to make your online shopping experience as enjoyable and stress-free as possible! With over 60 million happy customers shopping with more than 100,000 online retailers - it's safe to say they're pretty good at what they do.
It's so simple you'd think there was a catch! All you have to do is go to your checkout, and select Klarna as your payment method. Whether you pay in 30 or 3, Klarna is a big help, especially during the holiday period.
Hundreds of products come and go through our doors every day, especially at Christmas time, so you simply can't afford to 'umm' and 'ahh' over price anymore, especially with our Klarna payment option! Don't wait 'til payday, praying that no one will snap up your favourite kit, grab it today!
Please remember to spend responsibly - splitting payments can encourage further spending and cause debt.
Some Frequently Asked Questions!
How does it work?
1. Fill your basket with new stuff
2. Pick Standard, Next Day or Choose Your Day delivery
3. Checkout with Klarna and choose the payment option that suits you
4. There will also be a soft credit check on application to determine if you are eligible for this payment method. These do not impact your credit file, at application or if a payment is missed or late.
5. Klarna will send you an email confirmation and reminders when it's time to pay and you can your orders and payments in the Klarna app.
How many different ways are there to pay?
Simply pay for your new kicks in a few clicks. Klarna remembers all of your info so you don't have to. Easy peasy.
Simply hit 'Pay Later' when you checkout and don't worry, there's no pesky passwords to remember. Simply try them on, look good - no sweat - Klarna will email you reminding you to pay up 30 days after shipping.
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
All you have to do is select 'Pay in 3' at the checkout and the first installment will be taken when your order is confirmed. No interest, no hassle. Easy, right?
Am I eligible for Pay later in 3 interest-free instalments?To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?
Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free 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 later in 3 interest-free instalments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean it will be denied for future orders.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
How does Pay later in 3 interest-free instalments work?
Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Runners Need and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
Can I return an item if I pay with Klarna?
Yes! Simply return your item either by post or in-store and Klarna will process your refund.
How will I be refunded if I make a return?
You’ll only pay for what you keep. If you return some or all of your order, Klarna will issue you with a new statement as soon as we have processed your return. If you have an upcoming payment due date – sit back and relax. If there is a delay in registering a return Klarna will issue a new payment due date for anything you decided to keep.
If you have paid for your order with a card, the refund will be made back to the same card. If you are using Financing, your refund will be available as a positive balance in your account with Klarna. This allows you to purchase again using your account at any participating online stores.
Will a credit search take place?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Runners Need run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later in 3 interest-free instalments?
Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.
What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your purchase at Runners Need from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience.
You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use Klarna in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.
I have been asked to go to the Klarna site. Is this correct?
You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Cotswold Outdoor. All transactions take place via connections secured with the latest industry standard security protocols.
I've received a statement, but I've not yet received my goods?
In the event that your goods have not been received please call Runners Need to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we 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.
I have cancelled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.
I have asked for a refund. How will I be refunded?
Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
I haven’t received an email with my statement/payment information.
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.
I still have questions regarding payment, how can I get in touch?
Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.