Buy Now, Pay Later - Klarna

Pay later with Klarna Pay later with Klarna


Who is Klarna?

Klarna is a payment service provider to thousands of online stores. 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

Am I eligible

To use 30 days after delivery or 3 interest free instalments you must be at least 18 years old. Whilst these options are promoted on our website ( they are subject to financial circumstances. When choosing Klarna as a payment option, their soft credit search will not affect your credit rating.

What do I need to provide to make a purchase?

If you want to make a purchase with Klarna 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?

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 Neal & Wolf run credit searches against you that could impact your credit rating.

How can I manage my payments?

You can review your latest Klarna invoices at anytime by logging in at if you need further assistance visit Remember to make your payments on time; not doing so will result in extra charges and could harm your credit rating.

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Neal & Wolf 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 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 Klarna 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.