KLARNA FAQS + T&C's
KLARNA PAYMENT INFORMATION AND TERMS
Who is Klarna?
Klarna is a payment services provider that offers flexible payment options to consumers. Klarna is responsible for processing payments and assessing eligibility for its payment products.
When you choose Klarna at checkout, your payment agreement is made directly with Klarna and is subject to Klarna’s terms and conditions.
PAY IN 3
How does Pay in 3 work?
Klarna’s Pay in 3 allows eligible customers to spread the cost of a purchase over three equal interest-free instalments.
The first payment is usually taken when your order is confirmed. The remaining two payments are generally collected 30 days and 60 days after the first payment. You can view and manage your payment schedule within the Klarna app.
Eligibility
To use Klarna’s Pay in 3 service, you must: • Be at least 18 years old.
• Be a UK resident.
• Meet Klarna’s eligibility and affordability requirements.
Availability of Klarna payment options is subject to status and financial circumstances. Not all customers will be eligible for every Klarna payment option and acceptance is not guaranteed.
Affordability and Credit Assessments
From 15 July 2026, Buy Now Pay Later products in the UK are regulated by the Financial Conduct Authority (FCA).
Klarna may carry out identity verification, affordability assessments and credit reference checks when assessing your application. These checks may include soft or hard credit searches depending on the product, circumstances and regulatory requirements.
Any search conducted and its effect on your credit file will be explained by Klarna before you enter into a credit agreement.
Missed Payments
It is important that you make repayments on time. If a payment is missed, Klarna may contact you and provide information about your options. Missed payments may affect your ability to use Klarna products in the future and, where applicable, may be reported to credit reference agencies in accordance with Klarna’s terms and regulatory obligations.
If you are experiencing financial difficulties, you should contact Klarna as soon as possible. Klarna may be able to offer support and direct you to free debt advice services.
Please spend responsibly. Borrow only what you can afford to repay.
WHEN MAKING A PURCHASE
What information do I need to provide?
When applying to use Klarna, you may be asked to provide:
• Full name
• Billing address
• Delivery address
• Date of birth
• Mobile telephone number
• Email address
• Valid debit or credit card details
Providing accurate information helps Klarna assess eligibility and process your application.
Payment Security
Your payment information is processed securely by Klarna. EGN Golf does not store your full payment card details when payments are processed through Klarna.
Can I pay early?
Yes. You can make early repayments at any time through the Klarna app or by logging into your Klarna account.
RETURNS, CANCELLATIONS AND REFUNDS
What happens if I return or cancel my order?
If your return or cancellation is accepted by EGN Golf, Klarna will update your payment plan accordingly. Any refund due will be processed in accordance with Klarna’s refund procedures and payment method policies. Processing times may vary depending on your payment method and banking provider.
I have not received my goods?
If you have not received your order, please contact EGN Golf as soon as possible.
You should also notify Klarna through the Klarna app. Klarna may be able to pause or investigate payments while the matter is reviewed.
COMPLAINTS AND CONSUMER PROTECTION
If you have a complaint about a Klarna payment agreement, you should first contact Klarna directly. For eligible regulated agreements entered into on or after 15 July 2026, customers may have the right to refer unresolved complaints to the Financial Ombudsman Service. Customers may also benefit from additional protections under applicable consumer credit legislation where relevant.
IMPORTANT INFORMATION
Late repayment can cause financial difficulties. Please ensure that you can comfortably afford the repayments before selecting a Klarna payment option.
EGN Golf is not the lender and does not make lending decisions. All lending decisions, affordability assessments and payment agreements are managed by Klarna.
TERMS AND CONDITIONS
In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer Klarna payment options at checkout.
Payment options are subject to eligibility, status and affordability assessments.
Pay in 3 is an unregulated credit agreement where applicable before 15 July 2026 and may be a regulated credit agreement for eligible transactions entered into on or after 15 July 2026 under UK law. Late or missed repayments may affect your ability to obtain credit in the future.
Further information, Klarna’s customer terms and Klarna’s Privacy Notice can be found on Klarna’s website.
Please spend responsibly and only borrow what you can afford to repay.