Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to over 200,000 online stores. More than 90 million consumers worldwide have trusted Klarna to securely handle their payments.

When shopping with Zoo Fashions you can now choose Klarna to pay later or pay over time.

  1. Add the items that you want to order into the shopping cart.
  2. Follow the checkout process and select Klarna as the payment method.
  3. There will be a soft credit check on application to determine if you are eligible for this payment method. Soft credit checks do not impact your credit file at the time of application or even if a payment is missed or late.
  4. Klarna will send you an email confirmation and reminders when it's time to pay and you can check your orders and payments in the Klarna app.

Pay in 3 interest-free instalments

'Pay in 3 interest-free instalments’ allows you to spread the cost of your purchase over 3 equal payments. Each instalment will be automatically collected from the debit or credit card you entered at checkout.

Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later. You can easily check your payments’ schedule from within the Klarna app.

Pay later in 30 days

After your order is confirmed, Klarna will send you an email with the payment instructions within two days.

You’ll then have 30 days to complete the payment online, at your convenience, with no extra cost when you pay on time. You can pay via credit or debit card in the Klarna app or by logging in to www.klarna.com/uk

You must be at least 18 years old to use Klarna payment services and are offered subject to your financial circumstances. Klarna uses a 'soft credit search' to assess your eligibility, but don't worry, this doesn't affect your credit rating.

You'll receive an email from Klarna with payment instructions 2 days after your order is confirmed, depending on your chosen method.

*Zoo Fashions acts as an introducer and not a lender of unregulated credit products provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Please note Pay in 30 days and Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

Please spend responsibly. Make sure you can afford your monthly repayments on time.