Who are Klarna?
Klarna Bank AB is a Swedish bank that provides online financial
services. There are over 6 million customers in the UK who have
used Klarna to securely handle payments.
Klarna is regulated by the Swedish Financial Supervisory
Authority (SFSA) since Klarna has its banking licence in Sweden.
However, Klarna is also required to comply with the standards set
by the United Kingdom Financial Conduct Authority (FCA) when
trading in the UK. Any dispute between a customer and Klarna will
be settled by the courts of England and Wales.
Klarna Global HQ: Sveavagen 46, 111 34 Stockholm, Sweden.
Corporation ID: 556737-0431.
Klarna UK HQ: 33 Cavendish Square, Marylebone, London W1G 0PW.
UK Company ID: 08706739.
How can I contact Klarna?
If you would like to contact Klarna regarding your application
for finance, or your repayments, you can do so by calling them on
0808 189 3333 (9am - 6pm seven days a week) or by using the live
chat facility on the Klarna
Is Klarna regulated?
When trading in the United Kingdom, Klarna is required to comply
with the standards set out by the United Kingdom Financial Conduct
What happens if I get declined for Slow Finance?
If your application for Slow Finance isn't successful, you can
still complete your order by paying with your credit or debit
Loaf does not have access to the personal information you
provide to Klarna in your finance application. To enquire into the
reason why your application may have been declined, you can give
the helpful people at the Klarna customer service team a call on
0808 189 3333.
What happens if I can't make a payment?
If you find yourself in a situation where you are unable to make
a monthly repayment for Slow Finance, you should notify Klarna's
customer service team immediately by calling them on 0808 189 3333
or by using the live chat facility on the Klarna website.
Independent guidance can also be found on the Citizens
Advice website if you are experiencing financial
What happens if I'm not happy with the service from
If you're not happy with the service you've received from
Klarna, you should contact Klarna's customer service team
immediately by calling them on 0808 189 3333 or by using the live
chat facility on the Klarna website.
Once Klarna has reviewed your complaint, they will write to you to
inform you of their outcome. If you are then unhappy with the
outcome, you are entitled to refer the matter to the appropriate
regulatory body. Klarna will provide you with the details and
explain how the process will work from this point onwards.
What is representative APR?
defines representative APR (annual percentage rate) as the
"official rate used to help you understand the cost of borrowing.
It takes into account the interest rate and additional charges of a
credit offer." The purpose of a representative APR is to enable
customers to compare the costs associated with different credit
All lenders, whether it's Klarna or an alternative provider,
have to tell you what their representative APR is before you sign a
credit agreement as specified in the Consumer Credit Act 1974. We
have secured a promotional interest rate of 9.9% for Slow Finance.
This means that if you're approved, you'll get a rate of 9.9% on
your Klarna agreement.
Where this can change is if you miss a payment or pay less than
a full monthly installment. Should this happen, and you have not
arranged a delayed payment with Klarna, then your promotional
interest rate will be replaced by the standard contractual rate of
18.9% per year on the outstanding balance.
Loaf is the trading name of Really Comfy Beds Limited, which is
registered in England and Wales under company number 06455834, with
registered office address at Unit 8, 69 St. Mark's Road, London,
W10 6JG. Really Comfy Beds Limited acts as a credit broker and not
a lender and offers credit products provided by Klarna Bank AB
(publ). We do not charge you for acting as a credit broker. We do
not receive any payment from Klarna for introducing you to them or
when you take out a Klarna credit product. Really Comfy Beds
Limited is authorised and regulated by the Finance Conduct
Authority for the purpose of credit broking (FCA Register - Firm
reference number 921429).
Klarna Bank AB (publ) is authorised by the Swedish Financial
Services Authority (Finansinspektionen) and is subject to limited
regulation by the Financial Conduct Authority and Prudential
Regulatory Authority. Details about the extent of this regulation
by the Financial Conduct Authority are available on request.
Finance is only available to permanent UK residents aged 18+,
subject to status, terms and conditions apply.