You won’t find Klarna listed as a payment method on the Flannels website, but that doesn’t mean you can’t use it there. In fact, you can use Klarna at any online retailer that takes Visa cards — including Flannels — using its one-time card feature that lets you spread any purchase over three months, or defer payment for 30 days, interest-free. However, to use Klarna at Flannels, you’ll need to first install the Klarna App for Android or iOS.
How to Use Klarna at Flannels
Using Klarna at Flannels is easy. Just head over to Flannels through the Klarna App, and add your some items to your basket. Once you’re ready to pay, click the ‘Pay with K’ button. Enter the total value of the transaction, including shipping, and select a payment term. You’ll then be awarded a virtual card that you can use when you reach checkout. You’ll need to copy and paste this long card number, expiry date and security code when you’re ready.
Remember that your payment card on file will be debited the first instalment immediately if choose Pay in 3. If the creation of the one-time card was declined, check you have enough money available and try again. This means that if you’re buying something for £75, you’ll need to be able to hand over £25 right away. But if you defer payment for 30 days you won’t have to hand over a penny at the time you submit the order.
How Do Klarna Refunds Work?
If you’ve returned everything in the order, all instalments made will be refunded back to the debit card linked to your Klarna account. Meanwhile, partial refunds are deducted from the outstanding balance and spread evenly across the remaining payments. So if you have two payments of £10 outstanding and return an item worth £10, the two payments will be reduced to £5. If no additional payments are due, a full refund will be issued.
How to Finance Flannels at a Store
Alternatively, if you’re looking to shop at one of Flannels retail locations, try Zilch. Klarna has the Klarna Card — but that requires you to pay the balance in full in 30 days. Zilch, on the other hand, lets you spread the cost into 4 interest-free instalments, paid every two weeks, using Apple Pay or Google Pay in any store that accepts MasterCard. Like a credit card, you’ll have a credit limit. Unlike a credit card, there’s no hard credit check.