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Flexible ways to pay with Klarna

We’ve partnered with Klarna to give you a better shopping experience. When you choose Klarna at checkout, you have the flexibility to choose a payment plan that works for you.

Payment choices that suit your budget

choose from flexible, transparent, and secure payment options

Pay in 30 days

Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. ³ Pay only for what you keep

Pay in 3

Split your purchase into 3 interest-free instalments, paid automatically every 30 days. Your first payment is collected when your order ships. No fees when you pay on time.

Pay in 30 days

Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. ³ Pay only for what you keep

Pay in 3

Split your purchase into 3 interest-free instalments, paid automatically every 30 days. Your first payment is collected when your order ships. No fees when you pay on time.

who can use Klarna?

To be eligible to use klarna you must:

  • Be a UK resident - UK address
  • Be at least 18 or over
  • Have a valid card/bank account
  • Be able to receive verification codes via emails/ text

How to use Klarna on Reef

Step 1 - Pick Klarna

Add your chosen loved items to your card, head to checkout and choose klarna at checkout

Step 2 - Select Payment Plan

Select your preferred payment option and complete your purchase.

Step 3 - Manage Your Payments

Use the Klarna app to manage payments, delivery tracking and more.

Step 1 - Pick Klarna

Add your chosen loved items to your card, head to checkout and choose klarna at checkout

Step 2 - Select Payment Plan

Select your preferred payment option and complete your purchase.

Step 3 - Manage Your Payments

Use the Klarna app to manage payments, delivery tracking and more.

Klarna FAQ's


Rest assured, your payment information is handled securely by Klarna. No card details are transferred to or held by Reef. All transactions take place through connections secured with the latest industry standard security protocols

Klarna's Pay in 3 is a credit solution allowing you to divide your purchase into three equal payments. Your debit or credit card will be automatically charged, eliminating any payment worries. The first payment occurs at purchase, the second after 30 days, and the final after 60 days. Monitor your payments effortlessly through the Klarna app

Klarna may perform a soft credit check when you use Pay in 30 days or pay in 3 . Soft credit checks do not affect your credit score and will not be visible to other lenders. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna later down the line.

Once your order is accepted by us, if you decide to cancel or return it, Klarna will promptly pause any upcoming scheduled payments and ensure any eligible refund amounts are processed accordingly. payments will go back to original payment card linked to your klarna account.

Klarna automatically collects your Pay later in 3 payments from your debit or credit card at the scheduled date. If unsuccessful, they'll make one more attempt two days later. Failing this, you'll receive a statement for the full amount due, payable in 15 days. Klarna notifies you two days before collecting.

Failure to make payments results in arrears as Pay in 3 is a credit product. Klarna may share missed payment information with credit agencies, impacting future credit options. Klarna may also involve a debt collection agency, sharing this info with credit agencies if needed.

In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status

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T&C's

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.