Financing 2 / Fixed Sum Credit

Frequently Asked Questions

Do you offer a financing plan?

We have partnered with Klarna to offer interest-free credit as an option when purchasing with us.
With the Klarna Financing payment plan, you can spread your payments over
[X, X or X] months.

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment.
Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million
consumers worldwide have trusted Klarna to securely handle their payments.

How do I place an order using Financing with Klarna?

Purchasing with Klarna Financing is simple. Add the product you wish to purchase to your basket and
proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start
your application with Klarna Financing. You will then be asked to provide some basic information,
followed by details required to check your eligibility. If you’re approved, your payment plan will be
created and your order will be automatically placed with us. It’s a short application and you won’t
have to leave our website.

What details do I need to provide when I make my purchase?

You will need to provide your name, billing address, email address and phone number, as well as
some basic employment and bank details.

Will I be required to pay anything when I apply?

In some cases, Klarna may offer finance contingent on the applicant paying a portion of the balance
up front. If this is the case, you will be prompted to make a deposit during the application flow.

If I make my purchase on a Klarna Financing plan, will I pay interest?

Our interest-free offer means that you won’t have to pay interest. The monthly instalments will be
collected automatically from your bank account via Direct Debit. Please ensure you have enough
funds in your account to cover the repayment on your due date.

Am I eligible?

To be eligible for Klarna credit products you must be at least 18 years old and a UK resident. Your
application approval is subject to Klarna’s review of your Înancial circumstances and a full credit
search.

If I apply for Klarna Financing, will this affect my credit score?

When you apply for Financing with Klarna, Klarna will make a full credit search with credit reference
agencies who supply Klarna with credit information. The agencies will record details of the search,
which can be seen on your credit Île, whether or not credit is granted. This record will also be visible
to third parties and may affect other organisations’ future decisions on whether or not to provide you
with credit. For any questions relating to the credit check process, contact
Klarna’s customer
support team
.

What if I am late or miss a payment?

Your monthly payment must reach Klarna by the payment due date.
Klarna will also report information to credit reference agencies about the payments you make, and
about any payments that you fail to make on time. Late or missing repayments may have serious
consequences for you and cause you serious money problems. Your credit rating may be affected
which will make it more difÎcult or more expensive for you to obtain credit in the future.
If at any time
you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what
you owe. If you fail to do so, Klarna may terminate the Agreement and assign or sell the debt to a
debt collection agency who will become responsible for recovering the debt themselves.
If you are having trouble making repayments, please get in touch with Klarna customer service via
the support section of the Klarna app or via
Klarna’s customer support page.

Will I receive an email conÎrmation when purchasing with Klarna Financing?

If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an
email conÎrming your purchase details. The email will contain a link to Klarna’s online portal or to
download the app, where you can manage your purchases with Klarna. It is essential that you provide
accurate information during checkout to ensure that you can receive Klarna’s communications.

Can I set up automatic monthly repayments?

During the Klarna Financing application you will be asked to set up a Direct Debit Mandate from your
bank account. Klarna will draw your monthly instalments from your bank account automatically via
this Direct Debit Mandate so you don’t need to do anything.

How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, we will credit the balance back
to you or process a refund within the next 5 business days.

I purchased my item on a Klarna Financing plan and I would like to return it.

Please contact our support team at move@emovement.co.uk to process your return.
Once your return has been processed your Klarna Financing plan will be adjusted.

I still have questions about Klarna Financing.

Please visit Klarna’s customer service page  for a full set of FAQs. Alternatively, you can contact
Klarna via live chat from their website, by downloading the Klarna app or over the phone at
0808 189
3333
.