Frequently Asked Questions
How does Pay In 3 work?
How does Pay In 3 work?
Financing: We have partnered with Klarna to offer credit as an option when purchasing with us.
Pay in 3: Pay in 3 allows you to spread the cost of your purchase over three equal payments. Your first instalment will be collected from your debit or credit card when Royal Home Living confirms your order and Klarna will automatically collect the second and third instalments 30 and 60 days later, respectively. No interest. No fees if paid on time.
Am I eligible for Klarna?
Am I eligible for Klarna?
Financing: To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances.
A full credit search will also be performed when you apply for a Klarna Financing agreement.
Pay in 3: To use Pay in 3, you must be at least 18 years old. Eligibility for Pay in 3 is also subject to your financial circumstances.
Why was I declined?
Why was I declined?
Klarna's decision depends upon a number of factors, including address details, cardholder details, the amount of your order, your previous order history, and item availability. For more information about your decision, please get in touch with Klarna directly.
Can I pay before the due date?
Can I pay before the due date?
You sure can! Simply log in to you Klarna account, go to the order page, and select 'Pay off early'. You can also use the Klarna app to manage repayments and purchases.
What do I need to provide when I make a purchase?
What do I need to provide when I make a purchase?
Pay in 3: To pay in 3 instalment with Klarna, you'll need to provide your mobile number, email address, current billing address, a valid debit/credit card.
Klarna will send all correspondence via email, but they'll need your phone number if they need to reach you immediately. Please make sure that you provide accurate information so you receive your payment schedule and any updated order information.
What happens to my payments if I return my purchase?
What happens to my payments if I return my purchase?
Pay in 3:Start the return process as usual, through Royal Home Living. After Royal Home Living has processed your return, Klarna will issue a refund back to the debit or credit card which was originally used on the order normally within 5 business days. If you made a full return, Klarna will refund any collected payments and cancel future schedule payments. If you made a partial return, Klarna will send you an updated statement with an adjusted payment schedule.
What happens if I don’t make a payment on time?
What happens if I don’t make a payment on time?
Pay in 3:Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to Klarna’s T&Cs.