What happens if I miss a Pay in 3 payment?Updated 22 days ago

Klarna will remind you before a payment is due, so you don't miss it. You won't be charged fees or interest for late or missed payments. If Klarna can't collect your payment on the due date, they'll try again automatically.

If that next attempt fails, Klarna will make one final attempt to collect payment, and may continue trying to collect overdue and current payments on later due dates, or invoice you separately for the unpaid total. If you don't pay, you'll be in arrears, as Pay in 3 is a credit product. Klarna may share information about missed payments with credit reference agencies.

This means you may find it harder, or more expensive, to use Klarna or other lenders' credit products in future. If you don't pay for your order, Klarna may pass your debt to an external collection agency to recover it on their behalf. You can find full details in Klarna's terms and conditions.