Pay in Instalments with Klarna!
We know that sometimes investing in your photography or videography can be a big step, especially when it comes to purchasing lighting equipment. Luckily, we're a Klarna Partner, which means that we offer the option for you to pay for your EssentialPhoto order in three monthly instalments to make it more manageable for you and get you the equipment you need without the stress.
FAQs:
How do I pay with Klarna?
At the checkout stage of your order, you will be given the options to a few different payment methods to go ahead with. If Klarna shows up as an option, just click through to that payment method when you're ready to complete your order and Klarna will take you through their system to choose your payment plan set up your payments!
Why is Klarna not showing up for me?
Klarna will run their own background checks when you proceed to the checkout area. If Klarna does not show up as an option for you, it may be that Klarna has run this check and rejected you for their payment method based on this.
Please be aware that this process is not run by us and is automated by Klarna. If you believe you have been rejected in error, please contact Klarna directly.
Klarna Contact Details: https://www.klarna.com/uk/customer-service/
Does Klarna charge interest?
No, Klarna does not charge interest on their payments.
How does a refund work if I bought via Klarna?
Refund cases should opened the same way as usual if you've purchased via Klarna. If you are refunding your entire order, once the refund has been approved, the total you have paid so far in your instalments will be refunded to you via your original payment method.
What if I need to refund one item in a multiple item order?
If you're looking to refund or return one item in an order where you have ordered multiple things, the first part of the return process remains the same.
You would need to contact our Customer Support department at info@essentialphoto.co.uk with your order details and the reason why you would like to return your item. If this request is approved, our Customer Support staff would then request Klarna to pause your repayments until the return details can be confirmed and the return can be processed.
Once the item has been returned to us and checked, Klarna will then adjust your payments to remove the refunded amount from your total payment, and adjust your repayments to only cover the outstanding total.
What if I can't make my payment on time?
Pay in 3 Option
If Klarna are unable to collect the payment on the scheduled date, they will try again. If the payment fails, the amount due for the missed payment will be added to the next scheduled payment. Missed payments can incur late fees and may be sent to debt collection.
Pay in 30 days Option
You’ll receive a payment reminder from Klarna if you miss the due date of your Pay in 30 days purchase. Be sure to pay on time to avoid late fees and debt collection.
I'm looking for payment instalments for my business, how do I do this?
Klarna only offer payment terms for personal use, and won't offer this for businesses. If you're looking for business financing, please find more information about this here: https://www.essentialphoto.co.uk/pages/business-finance
What are the Terms and Conditions for using Klarna?
Please find Klarna's full T&Cs here if you have any questions: https://www.klarna.com/uk/terms-and-conditions/
Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Klarna's Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Representative example: Representative APR (variable) with an assumed credit limit of £1,200 and a purchase rate of 0-19.99% p.a. Terms and conditions.
