Pay later in 4 interest-free instalments Frequently Asked Questions
Who is Klarna?
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 85 million consumers worldwide have trusted Klarna to securely handle their payments.
How does Pay later in 4 interest-free instalments work?
Pay later in 4 interest-free instalments will allow you to spread the cost of your purchase over 4 equal payments. 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 when your order is confirmed by Lush and instalments 2, 3 and 4 are scheduled every two weeks thereafter. You can always monitor your payments’ schedule in the Klarna app.
Am I eligible for Pay later in 4 interest-free instalments?
To use Pay later in 4 interest-free instalments you must be at least 18 years of age and the minimum product spend is $10. Whilst this option is widely promoted, Pay later in 4 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 4 interest-free instalments, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later in 4 interest-free instalments?
Klarna is unique and offers Pay later in 4 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 4 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 a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay later in 4 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or credit card. The mobile number is required in case Klarna needs to reach you. It's very important that you give Klarna 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?
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 Lush run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later in 4 interest-free instalments?
Although Pay later in 4 interest-free instalments is widely promoted it is not always universally available. The Pay later in 4 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?
Payment for your Pay later in 4 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. Instalments 2, 3 and 4 are scheduled every two weeks thereafter. You can always monitor your payments’ schedule in the Klarna app.
What happens if I cancel or return my order?
As soon as Lush have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.
What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your Pay later in 4 interest-free instalments purchase at Lush from the debit or credit card you entered at checkout. If Klarna are unable to collect your payment on the scheduled due date, Klarna will send you a notification and provide you a courtesy two to seven business day slack period so that you can update your payment method or ensure enough funds are available on your selected card. If you fail to make a payment by the end of the “slack period” you may be charged a late fee. Klarna late fees are capped, and more information is provided on their website.
I have been asked to go to the Klarna site. Is this correct?
You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/au.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by Lush. All transactions take place via connections secured with the latest industry-standard security protocols.
Can I pay before the due date?
Yes. Just go to the Klarna app or log onto Klarna.com/au and pay off early.
Have you received my payment?
Klarna will notify you via email and push notification 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 confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/au.
What happens to my statement, when I've returned the goods?
Once Lush has received the return (partial or full) and you have received their confirmation 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.
In the event that your goods have not been received please call Lush to check on your order and delivery status. You can also contact Klarna’s Customer Service to 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?
As soon as Lush has registered your cancellation or your return, Klarna are notified and the refund will be processed by them within 2-5 business days.
I have asked for a refund. How will I be refunded?
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.
You can log in the Klarna app or at www.klarna.com/au, where you will find all of your orders and payment schedule information.
I still have questions regarding payment, how can I get in touch?
Visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.