We could have offered "0% Free Finance" and hidden the real cost by hiking up our prices. But that's not how we like to do things. So we simply charge you exactly what it costs us. You can pay over 30 days, spread the cost over 3 equal instalments or take the finance options and spread the cost over 36 months. And you can pay for your purchase at the speed that suits you. We don't take deposits up front.

How do I pay with Klarna Finance?

The option to pay with Klarna Finance will automatically become available on the checkout page, if your basket total is over £200. You'll then be asked to enter some details so that Klarna can run a credit check. You'll find out if you've been approved right away. If are successful in your application, you can choose to pay by Klarna Finance and complete your order. You'll get an email or letter with your repayment schedule after your new stuff has been delivered.

Minimum requirements for Klarna Finance

• You must be a permanent UK resident
• You must be over 18 years of age
• Your monthly mortgage or rental payments must not exceed 30% of your monthly income
• You must have a good credit history as a hard credit check will be carried out

How will I know when my credit agreement has started?

If you are successful in your application for Klarna Finance, your credit agreement will start immediately.

How will I know when my repayments have started?

You'll only start repayments on items and services when they are successfully delivered.

What happens if I want to make a return?

Our standard 7 day returns window still applies to purchases with Klarna Finance. When you make a return and it is successfully delivered back to our warehouse, we will notify Klarna and you'll be refunded for the cost of the item, less the interest you have paid on your monthly repayments and your delivery charge. 

Who are Klarna?

Klarna Bank AB is a Swedish bank that provides online financial services. There are over 6 million customers in the UK who have used Klarna to securely handle payments.

Klarna is regulated by the Swedish Financial Supervisory Authority (SFSA) since Klarna has its banking licence in Sweden. However, Klarna is also required to comply with the standards set by the United Kingdom Financial Conduct Authority (FCA) when trading in the UK. Any dispute between a customer and Klarna will be settled by the courts of England and Wales.

Klarna Global HQ: Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID: 556737-0431.

Klarna UK HQ: 33 Cavendish Square, Marylebone, London W1G 0PW. UK Company ID: 08706739.

How can I contact Klarna?

If you would like to contact Klarna regarding your application for finance, or your repayments, you can do so by calling them on 0808 189 3333 (9am - 6pm seven days a week) or by using the live chat facility on the Klarna website.

Is Klarna regulated?

When trading in the United Kingdom, Klarna is required to comply with the standards set out by the United Kingdom Financial Conduct Authority (FCA).

What happens if I get declined for Klarna Finance?

If your application for Klarna Finance isn't successful, you can still complete your order by paying with your credit or debit card.

Annalise Reece Interiors does not have access to the personal information you provide to Klarna in your finance application. To enquire into the reason why your application may have been declined, you can give the helpful people at the Klarna customer service team a call on 0808 189 3333.

What happens if I can't make a payment?

If you find yourself in a situation where you are unable to make a monthly repayment for Klarna Finance, you should notify Klarna's customer service team immediately by calling them on 0808 189 3333 or by using the live chat facility on the Klarna website.

Independent guidance can also be found on the Citizens Advice website if you are experiencing financial difficulties.