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We now offer klarna as a payment option on our website.

This allows you to buy now and receive your rho loungewear and pay in three monthly instalments via Klarna.

We decided to offer klarna as a payment option as we know that our product is a luxury purchase and we wanted to make it more accessible for people to be able to shop ethically.

As we are a considered purchase we are hoping that by us offering klarna this is not encouraging increased consumption but in fact allows for more thoughtful purchasing that might not be possible for some people who cannot pay the full amount all at once.

What do I need to know about Klarna?

The pay in 3 instalments allows a consumer to spread the cost over 3 equal monthly instalments for their product. This product is interest free and there are no late fees applied. The payments must be repaid or you may be referred to a debt collection agency.

Klarna's pay in three is a financial product and they aren't regulated by the Financial Conduct Authority.

For Klarna's Pay later products (Pay in 30 days or Instalments) a soft credit check will be performed. They review a customer’s previous credit history alongside other factors to review if they can afford to use our products

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Klarna is not available to everyone.

You must be age 18+ to use klarna.

Rho Clothing Limited is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Please see the link below for full terms and conditions.

https://www.klarna.com/uk/terms-and-conditions/

Does Klarna impact my credit score?

Please see the quote below from Klarna and link to blog post about how they work...

"To use ‘Pay 30 days later’ or ‘Instalments’, a soft credit check is undertaken by Klarna on the customer. This does not leave a record on their credit file that will either impact the customer’s credit score or is visible to other lenders. For a customer’s credit file to be impacted, a lender would have to submit missed payment information to the credit reference agency (CRA). Klarna does not report missed payments to the CRA in relation to these products. It is therefore not accurate to say that “Klarna’s ‘Pay later’ schemes damaging millions of shoppers’ credit scores”.

https://www.klarna.com/uk/blog/does-klarna-impact-my-credit-score/

There have been articles about people's mortgage applications being impacted by buy now pay later agreements. We have used this quote from this article to demonstrate how this might impact you.

"A Barclays spokesperson said: "As a responsible lender we assess the affordability of each and every mortgage application. All credit agreements, including BNPL agreements, are included in this affordability assessment.""

What if I can't make the repayments?

If you are having difficulties please follow this link below which gives you information about how to get in touch with Klarna.

https://www.klarna.com/uk/blog/how-to-contact-klarna-if-you-are-struggling-to-pay/

Alternatively please contact one of the expert services below to seek help with your financial problems:

Citizens Advice

StepChange Debt Charity

National Debtline

Debt Advice Foundation

Money Advice Service

How does Klarna check affordability?

Please see klarna's blog on this below:

https://www.klarna.com/uk/blog/3-ways-we-check-you-can-afford-to-use-klarna/

 

 

 

 

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