Klarna
Your Dream Garden, Made Possible with Klarna at UrbanXscapes
At UrbanXscapes, we believe everyone should be able to create their ideal outdoor sanctuary without having to compromise. That’s why we’ve partnered with Klarna, a global payments service, to give you the flexibility to Buy Now, Pay Later for your garden projects.
Whether you’re dreaming of a luxury rattan dining set, a bespoke pergola installation, a new high-end BBQ, or a complete outdoor space refresh with premium plants and lighting, Klarna can help you spread the cost and get your dream garden sooner.
How Klarna Helps You Get the Garden You Want
Klarna offers simple, flexible payment options that allow you to manage your purchase in a way that suits your budget.
1. Pay in 3 Interest-Free Instalments (e.g., “Pay in 3”)
This is an excellent option for breaking down larger purchases like garden furniture or a set of quality tools:
- Split the Cost: Your purchase is divided into three equal, interest-free payments.
- Simple Schedule: The first payment is taken at the time of purchase. The second and third payments are automatically collected from your chosen card 30 and 60 days later, respectively.
- No Interest: As long as you pay on time, there are no interest charges.
Example: Purchase a £600 dining set. Pay £200 today, £200 in 30 days, and the final £200 in 60 days.
2. Pay in 30 Days
Perfect for smaller items or if you want to receive your goods before paying:
- Try Before You Pay: Receive your garden products and only pay up to 30 days later.
- Flexible: You get the chance to check everything is perfect before your money leaves your account.
- No Interest or Fees: As long as you pay within the 30-day grace period, there are no extra charges.
3. Longer-Term Financing (where available)
For the largest projects, Klarna may also offer longer-term financing options. These are regulated credit agreements which allow you to spread the cost over several months. Please note that these options may involve interest and a full credit check.
Key Features for UrbanXscapes Customers
- Flexibility at Checkout: Simply select Klarna at our checkout and choose the payment option that best suits your needs.
- Instant Decision: Klarna will give you an instant decision on your eligibility during the checkout process (based on a soft credit check for the interest-free options, which is not visible to other lenders).
- Convenience: All your purchases and payment schedules can be easily tracked and managed through the Klarna App.
- Eligibility: To use Klarna’s payment options, you must be over 18, a resident of the country where you’re shopping, and have a valid debit or credit card.
Important Considerations: Use Klarna Responsibly
While Klarna offers a great way to manage your payments, it is important to be aware of the following:
- Late Fees: Be aware that late fees can apply if you miss a scheduled payment.
- Credit Impact: Klarna now reports payment history for Pay in 3 and Pay in 30 days to major credit reference agencies. Late or missed payments, or borrowing more than you can afford, could negatively impact your credit status and make obtaining credit more difficult or expensive in the future.
- Regulation: Klarna’s short-term, interest-free installment plans (“Pay in 3” and “Pay in 30 Days”) are generally unregulated credit agreements, which means you will have fewer protections than a regulated credit agreement (like the longer-term Klarna Financing).
Always ensure the payment option you select is affordable for you and you can make the repayments on time.
Ready to Build Your Urban Xscape?
Look for the Klarna payment option at the UrbanXscapes checkout and start designing your dream garden today!
