PAY IN 3 INSTALMENTS.
Three equal payments are automatically collected every 30 days from your debit or credit card. The total amount charged to your card is no greater than if you simply paid for the entire purchase up front (provided the agreed payment schedule is followed).
How do I use Klarna?
Add your items to your bag and go to the checkout as normal.
Select Klarna as your payment option–no need to create a Klarna account.
Place your order and you’re done! Klarna will automatically collect three equal payments, 30 days apart from your debit or credit card.
What you need to get started:
- A US bank account
- Be 18 years of age or older
- A US residential address
Who is Klarna?
Klarna is a payments service that helps you buy the things you want or need. Right now, over 100 million people worldwide use Klarna at over 200,000 online stores.
How does Pay in 3 instalments work?
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.
Am I eligible for Pay in 3 instalments?
You need to be at least 18 years old and a US 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.
Can I have multiple Pay in 3 instalments orders at the same time?
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.
What does Klarna consider when reviewing my application?
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.
What do I need to provide when I make a purchase?
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.
Will a credit search take place?
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
How do I make repayments to Klarna?
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 or login to Klarna.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Lady Diva's Closet. All transactions take place through connections secured with the latest industry standard security protocols.
How do I know Klarna has received my payment?
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 here.
What happens if I don’t pay for my order on time?
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.
What happens if I don’t pay for my order?
If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then 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. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.
I've received a statement, but I've not yet received my goods.
If you have not received your goods please contact Lady Diva's Closet customer service at customerservice@ ladydivascloset.com 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.
What happens if I cancel or return my order?
As soon as you’ve reported your cancellation or return your invoice is paused. This allows time for the cancellation or return to be registered by the store and your invoice to be updated accordingly. You will receive an email with updated payment information or you can always log in to the app for up-to-date payment details.
Contact the store directly if your return is not registered correctly, as only they can adjust your remaining balance. Keep in mind that Klarna manages your payment while the store is responsible for all other aspects concerning your order.
Submit the returns information at any time in the app – follow the prompts to enter the tracking details & the date you made the return. If after 21 days your return is not registered correctly by the store we can always support you if you’ve provided the required returns information.
And always be sure to keep copies of your correspondence or proof of your attempts to contact the store.
I have canceled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.
I have asked for a refund. How will I be refunded?
Refunds will be issued back to the debit or credit card which was originally used at checkout.
What happens to my statement, when I have returned the goods?
Once the store has received the return and Klarna have received 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.
What happens to my statement when I have returned part of my order?
Once the store has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app or login to Klarna.
I haven’t received an email with my statement/payment information.
You can log in the Klarna app or here, 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 the Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.