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Klarna Pay in 3 Now Available.

What’s this?

Spread the cost of your Chums purchase over 3 interest free instalments. There are no fees when you pay on time.

Who are Klarna?

Klarna provide easy payment services to more than 190,000 online stores. Over 80 million consumers globally have trusted Klarna to handle their payments securely.

How does it work?


Choose your Chums items online and add to your basket


Head to checkout and select the Klarna option



Enter your debit or credit card information


The first payment is taken when the order is processed. The remaining two will be automatically collected in 30 & 60 days from the date of purchase.

It couldn’t be easier

Klarna Pay in 3 gives you the freedom to pay for your purchase in 3 interest-free instalments. Here’s how it works. Let’s say you make a purchase for £30...



Due day of purchase



Due 30 days later



Due 60 days later

Am I eligible to Pay in 3 with Klarna?

The following criteria must be met:

• Aged 18+

• UK Residential address

• Valid mobile number and email address

• Credit/debit card that will be valid for 60 days after placing the order

*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

Klarna is the name of a Swedish bank and payment service provider, used by over 80 million customers and 190,000 online stores globally.

Simply add the items you want to your basket and at checkout select Klarna from the available payment methods. You then enter your credit or debit card details from the card you wish the instalments to be taken from. The first instalment will be taken when the order has been processed and then the other two payments are made in 30 and 60 days.

To use Pay in 3 you must be over 18 years old, a UK resident, have a valid mobile and email address and have a credit/ debit card that will be in date and valid for longer than 60 days from the purchase of your order. Pay in 3 acceptance is also subject to your financial circumstances.

You’ll need to provide your mobile number, email address, current billing address and the details from your debit or credit card.

When you use Pay in 3 instalments, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

For more information about Klarna, please visit our FAQ's page here

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PayPal Representative Example:

Representative 23.9% APR (variable) Purchase interest rate 23.9% p.a. (variable) Assumed Credit limit £1,200. PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Terms and conditions apply. Credit subject to status, UK residents only, Chums Ltd acts as a broker and offers finance from a restricted range of finance providers. PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details