- 18+, T&C apply, Credit subject to status
- A UK resident with at least 3 years continual address history
- Be in full time employment, unless retired or a house person with a spouse in full time employment
- Have a UK bank account capable of accepting Direct Debits
- The goods must be delivered to your home address (submitted on your application)
It's smoooth and simple
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.
Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you'll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun. That's what we call smoooth (yes, so smooth it needs 3 o's).
Pay in 3 instalments
Split your purchase into three equal payments so you can spread the cost of your purchase over time. Enter he credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected wen your order is confirmed by the merchant and instalments 2 and 3 and scheduled 30 and 60 days later, respectively. No interest or fees.
The Urban Bath House, acts as an introducer and not a lender of unregulated credit products provided [exclusively] by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Please note that the following products are not regulated by the FCA: [Pay in 3 instalments].
Frequently Asked Questions
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 the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can 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 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. Your credit rating may be affected which will make it more difficult 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 your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency.
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 team.
When do repayments begin?
All monthly payments are paid by direct debit from the applicant's bank account. Typically the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.
Can I use finance to purchase multiple items?
Yes you can add multiple items to your basket, when you get to checkout select payment option pay by Klarna Bank AB.
I have a question about finance, who do I speak to?
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 1893333.
Alternatively, to speak to one of our customer service advisors, please use our Support widget in the bottom left corner. Here you can speak directly to a member of the customer service team.
What do I need to apply?
At the payment stage you will be required to fill out the online form and add an electronic signature. Please make sure you use your full name and address.
A transaction of 50p will be authorised against a credit or debit card you own, no money will be taken from your card the process is designed to protect you and us against fraud, the details are only used to confirm they are valid and registered to your address.
Who are Klarna Bank AB
Klarna Bank AB is a Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK. Victorian Plumbing chose Klarna Bank AB due to their ease of use, speedy process and their incredible experience. If you’re successful with your application, you will enter into a Credit Agreement with Klarna Bank AB. Klarna Bank AB is a trading name of Klarna Bank AB (publ).
I've got a question about the status of my finance application
Please contact us. You will be able to find our contact details on our web site contact us page. Klarna Bank AB may also email you to advise you on the status of your application. Klarna Bank AB will use the email address you provided on the application form but if you haven't received any emails from them, please check your junk and spam mail folders.
How do I amend my order?
Contact us directly if you want to amend any part of your order, including delivery. You will be able to find our contact details on our web site contact us page.
Why was my application declined?
Applications can be declined for a whole host of reasons. Unfortunately, we are not given the reason why a customer is declined for a credit application. The authorisation process is carried out by the Klarna Bank AB and Victorian Plumbing has no part in the decision.
The decline message is sent to you by the Klarna Bank AB, with no justification or explanation. If you wish to find out more please contact the Klarna Bank AB directly. Their details can be found in the email you received from Klarna Bank AB confirming the lending decision.
I'm having problems uploading my proof of identity
You need to carefully follow the instructions on screen to upload your proof of identity image. You can use a smartphone camera to take a picture of your identity document, there's no need to have a scanner.
I'm having problems paying my deposit online
Please carefully re-enter all your card details. Your card must be enabled for 3-D Secure for Klarna Bank AB to take payment online. Please note: Klarna Bank AB cannot take card payments over the phone or by any other means.