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Buy Now, Pay Later with Klarna

Introducing Klarna

Pay in 3 interest-free instalments.

All you'll need are the following:

  1. A debit or credit card in your name.
  2. To be over 18 years old.
  3. To be a UK resident.

MandM Direct 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 3 instalments is not regulated by the Financial Conduct Authority (FCA).

Here's how it works:


Find items you love and pop them in your basket.


Enter a few personal details and you’ll know instantly if you’re approved.


Klarna will send you an email confirmation and reminders when it’s time to pay.

Pay in 3 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 for 30 days and 60 days later respectively.

For more information, visit Klarna's Pay in 3 instalments Ts&Cs.

There's no interest!

Frequently Asked Questions

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment.

They are a provider of smooth, secure payments to more than 250,000 online stores and over 90 million consumers worldwide.

Find out more about Klarna in their own words right here.

How does Pay in 3 instalments work?

Pay in 3 instalments allows you to spread the cost of your purchase over 3 equal interest-free payments. 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, instalments 2 and 3 are scheduled for 30 and 60 days later.

Will a credit search take place against me?

No credit searches will be run against you that could impact your credit rating.

Klarna may run soft credit searches that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders.

How does the returns process work?

As soon as we have accepted your return, Klarna will cancel any future scheduled payments as well as refund any amounts onto the same card you paid with. The return will be reflected in the Klarna app immediately.

Please visit the Returns section in our Help Centre for more information on How To Return an item.

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.

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