Serpentia Reptile Supplies UK Buy Now Pay Later with Klarna

Serpentia Reptile Supplies have partnered with Klarna to offer you Buy Now – Pay Later payment solutions.  If you choose a Klarna payment option at checkout you will be entering into a payment agreement with Klarna.

Who is Klarna?

Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online.

Klarna is now one of Europe’s largest banks and is providing payment solutions for 80 million consumers across 190,000 merchants in 17 countries.

Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.

With Klarna, customers only need to provide top-of-mind information to complete a purchase.

At the core of Klarna’s services is Pay later, which lets you check out items in your own home before you pay.

Visit Klarna’s website

Pay Later in 30 days

Pay later is a form of invoice which allows you to pay for items 30 days after your items have been shipped. Klarna’s Pay later product has no interest or fees, which lets you make sure you love your purchase before paying anything.

Can anybody use Pay later?

In short, no. It wouldn’t be responsible of Klarna to offer this to everyone. Pay later is only available to shoppers who can use it safely and in a sustainable way. Pay later acceptance depends on several factors including your previous credit history, your age (you must be at least 18) and a soft credit check. Klarna also have eligibility checks in place and don’t let anyone make a second Pay later purchase until the payment on their first transaction is complete.

Can I buy as much as I’d like?

Pay later is designed to give you a better shopping experience. But you should only spend what you can afford to pay back. To make sure of this, Klarna take time to get to know you as a customer before enabling you to spend more. From the first transaction  Klarna set limits for how often and how much you can spend using Pay later. Limits are determined on a case-by-case basis using affordability checks, and just because you are accepted for Pay later once, doesn’t mean this will always be the case.

How do I apply for Pay In 30 Days?

When checking out at Serpentia look for the Pay later in 30 Days option.

Serpentia Reptile Supplies UK Buy Now Pay 30 Days later

Klarna provide a comprehensive list of answers to questions relating to their Pay Later in 30 Days offer and you can head over to their website to read more by clicking the link>

Slice It in 3 – Pay in 3 Instalments

Pay in 3 allows you to spread the cost of your purchase over 3 equal payments, meaning greater purchasing power and less hassle. 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 live at the checkout, and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. Full transparency, full control, minimum effort.

How will I know if I’m eligible to use Pay in 3?

Just like Pay later, you must be at least 18 to use Pay in 3, and eligibility is determined through an affordability assessment. But remember, an affordability assessment is a ‘soft check’ and will not affect your credit rating.

Does use of Pay in 3 require a full credit check?

No, a full credit check is not required to use Pay in 3, but Klarna will carry out an affordability assessment, where you will be asked to provide or confirm some details of your financial situation. This is in your best interests, so they can check you are able to meet your repayment obligations.

Will I be charged interest or fees?

No. Klarna charge no interest, upfront fees or additional repayment costs on your purchase. You can simply spread the cost of your purchase over time – but it won’t cost you a penny more than if you paid for it in one go upfront. Simple.

How do I apply for Pay In 3 Instalments?

When checking out at Serpentia look for the 3 interest-free instalments option.

Serpentia Reptile Supplies UK Buy Now Pay in 3 Instalments

Klarna provide a comprehensive list of answers to questions relating to their Pay Later in 3 Instalments offer and you can head over to their website to read more by clicking the link>