Klarna Finance

                        

Here at HavAir, we understand that not everyone can afford to buy their kit upfront, which is why we have teamed up with Klarna to make payments smooth and more affordable. With everything that has happened over the last few years, we understand times may be tough and this isn't just short term, so we want to put you first!

So, what is Klarna?
Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 90 million active consumers across more than 250,000 merchants in 17 countries. Klarna offers direct payments, pay after delivery options and instalment plans in an easy one-click purchase experience that lets you pay when and how you would prefer to.

 

You can find Klarna's terms and conditions here: https://www.klarna.com/uk/terms-and-conditions/

How does Klarna work?
Klarna partners with retailers like us, to give a smooth and affordable shopping experience that you are in control of.

With Klarna you have some options:
- 3 interest-free monthly instalments*
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.

Read the terms

- Monthly financing
Apply for easy monthly financing directly at the checkout. A simple, 2-step application will provide an instant decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app. We offer a set APR rate of 19.9% on your purchase. 

You can see all of your purchases in one place, pay any open balances and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, their Customer Service is there for you.

Safe and secure.
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases.

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

Does Klarna perform a credit check?
As a responsible lender, Klarna want to make sure they're helping customers make the right financial decisions for their circumstances. When a credit check is performed, they verify your identity using the details you provided and they look at information from your credit report to understand your financial behaviour and evaluate your creditworthiness.

Depending on the payment method or service you choose, they may perform different types of searches to check your financial standing. You can find an overview of the credit checks they run for our payment options and services and whether they impact your credit score below.

Using Klarna will not affect your credit score when:

For the above mentioned, Klarna will perform a credit check that will not be visible to other lenders and therefore won’t impact your credit score in any way.

Using Klarna might affect your credit score when:

  • Applying for one of Klarna's Financing options.
  • Taking out a standard payment holiday for Klarna Financing options.

If you decide to use Financing, Klarna might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.

The third party credit checks are performed by Transunion & Experian. If you have any questions regarding their services, your credit score or the data provided as part of a credit check we advise you to reach out to them directly.

These checks are performed in accordance with Klarna’s Terms & Conditions.