Klarna - Pay In 3

Interest-free instalments.

Spread the cost of your purchase into 3 interest-free instalments, automatically charged from your card every 30 days. There is no credit application and it won't affect your credit score with 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.

See example below for an order of £150:

On checkout
£50.00

30 days later
£50.00

60 days later
£50.00

What is Pay In 3?

Klarna Pay in 3 means you can now spread the cost of your Golfbidder purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you used at checkout. Your first instalment will be collected when your order is confirmed by Golfbidder and instalments 2 and 3 are then scheduled to be taken 30 and 60 days later, respectively.

Klarna Pay in 3 is recommended for orders from £150 to £750. For larger orders you may find the 12 and 24 month finance options more appropriate.

Please spend responsibility. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.

A Little More Detail.

Buy Golf Clubs

At Golfbidder checkout

Select the Klarna option and enter your debit or credit card information. No interest or fees - ever. It’s as simple as making any other card purchase.

Sell & Part-Ex Golf Clubs

When the order is shipped

After Golfbidder confirms that the order is on its way, Klarna will charge your card for the first third of the total amount and send you a notification once the payment has been processed.

Help & Advice

Automatic payments 30 and 60 days later

Every 30 days Klarna will automatically charge your card 1/3 until the full order amount has been paid. You will be informed ahead of time. There's no interest, or fees to pay.

Checklist.

To use Pay in 3, you’ll need:

- To be 18 years or over;
- A valid mobile number and email address;
- A UK residential address;
- A UK bank account with good credit history;
- A credit/debit card to be valid for 60 days from purchase date.

All checked off? Great. It really is that simple.

Frequently Asked Questions.

Who is Klarna?

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

How does Pay later in 3 interest-free instalments work?

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Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your rst instalment will be collected when your order is confirmed by Golfbidder and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I eligible for Pay later in 3 interest-free instalments?

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To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your nancial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

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Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay later in 3 interest-free instalments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean it will be denied for all future orders.

What do I need to provide when I make a purchase?

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If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me?

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Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Golfbidder run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

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Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

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Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The rst payment is taken when the order is conrmed. The second and third instalments are collected 30 and 60 days, respectively, after the rst instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

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As soon as Golfbidder have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reected in the Klarna app immediately.

What happens if I don’t pay for my order?

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Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Golfbidder from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience.

You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use the service in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

I have been asked to go to the Klarna site. Is this correct?

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You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?

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Payment information is processed securely by Klarna. No card details are transferred to or held by Golfbidder. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

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Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?

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Klarna will notify you via email and push notication from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment conrmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk .

What happens to my statement, when I've returned the goods?

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Once Golfbidder has received the return (partial or full) and you have received their conrmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.

I've received a statement, but I've not yet received my goods.

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In the event that your goods have not been received please call Golfbidder to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we 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.

I have cancelled my order. How long will it take until I receive my refund?

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As soon as the store has registered your cancellation or your return, the refund will be processed within 57 business days.

I have asked for a refund. How will I be refunded?

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Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

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You can log in the Klarna app or at www.klarna.com/uk , where you will nd all of your orders and payment schedule information. Visit Klarna app or Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Disclaimer

Golfbidder is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

For more information or to speak to one of our PGA qualified customers services team call 0208 4016 901. Lines and emails are open and managed from 9:00am - 5:00pm , Monday – Friday and 9:00am - 1:00pm Saturday.