WITH PAY LATER YOU WILL BE ABLE TO:

• Get your items first and pay later.
• Manage your payment on your member account page.
• Choose an option: Pay Now, Pay in 30 days or Pay in 4 instalments.

4 interest-free instalments

With Klarna you have the flexibility to buy in installments without any additional interest.

Split your payment into 4 interest-free installments to defer the cost over time.

The first payment will be made when the order is processed, while the other 3 will be withdrawn every 30 days from a debit or credit card of your choice.

The best way to shop

See all of your purchases in one place, pay any open balances, explore unique content 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, our Customer Service is there for you.

FREQUENTLY ASKED QUESTIONS

How does Pay later work?
Choosing "Pay later" option you can split your purchase into three equal payments so you can spread the cost of your purchase over time. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest or fees. When you're ready to check out just select Pay later as you payment option at the checkout.

How does Pay in 30 days work?
With Pay in 30 days, you can pay for your order 30 days after shipping. If your Pay later request is accepted, Klarna will send you an email with payment instructions once your order is shipped. Just follow the link in the email to view your order or check your purchase in the Klarna app.

Will a purchase with Pay later or Pay in 3 Instalments affect my credit score?
If you pay on time, your credit score will not be affected. If you are late with your payment, this might affect your credit score. Please follow the payment instructions sent to your email by Klarna to avoid potential harm to your credit score. To help you pay on time, Klarna will alert you two days before a payment is due. You’ll also receive email reminders.

Where can I find the payment information?
Unfortunately, not at this time.

Why do I need to identify myself?
Due to data security reasons you would sometimes need to identify yourself.

Where can I find the Klarna Terms & Conditions?
You can find the full terms and conditions at klarna.com. The terms and conditions will also be presented to you before you complete your purchase with Pay later. You are always welcome to contact Klarna directly if you require more detailed information.

How can i contact Klarna?
You can contact Klarna via chat on klarna.com

Why can I not buy with the pay in 4 installments option without interest?
Unfortunately O Bag is unable to provide you with more details on this. If you are experiencing any issues with the service, please contact Klarna directly at klarna.com

What happens if I cancel or return my order?
As soon as the merchant has accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.

Don’t see your question here?
Visit our FAQ page to find out more about using Klarna. You can reach Klarna at https://www.klarna.com/uk/customer-service/ or by downloading the Klarna app.