We’re excited to announce that we have partnered with Klarna, bringing you new ways to pay across our dental practices.

How it works

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.

• A new way to pay that’s an alternative to a credit card.
• 3 instalments gives you flexibility to shop without interest.
• Not making your payment on time could affect your ability to use Klarna in the future.
• Debt collection agencies are used as a last resort.

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.

Paying in practice

1. Find your dental practice in the Klarna app
2. Enter the full purchase amount to create a digital card
3. The digital card will then be added to Apple/Google pay
4. Tap to pay to complete your purchase!

Find your nearest Clyde Munro practice here.

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Frequently asked questions

Who is Klarna?

Klarna is a payment service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

How does Pay in 3 work?

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly so you don’t have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments anytime using the Klarna app.

Am I eligible for Pay in 3?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 3 orders at the same time?

Yes, you can. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

What does Klarna consider when reviewing my application?

Klarna offers Pay in 3 based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All purchases are assessed individually. Just because you have been accepted for Pay in 3 before does not mean it will be offered for every purchase. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied in future.

What do I need to provide when I make a purchase?

If you want to purchase something using Klarna’s Pay in 3, you’ll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they’ll use the phone number you’ve shared. For any other information Klarna needs to share with you, they’ll send this to your email address.

Will a credit search take place?

When you use Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

Can I pay before the due date?

Yes. Just go to the Klarna app or log in at the Klarna website.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Clyde Munro Dental Group. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email, SMS or push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at klarna.com/uk.

What happens if I don’t make a payment on time?

Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs.

What happens if I don’t pay for my purchase?

If you don’t make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders’ credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

What happens if I cancel or return my order?

As soon as Clyde Munro has confirmed with Klarna that your cancellation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

How long will it take until I receive my refund, and how will I be refunded?

As soon as the practice has registered your cancellation or your return, the refund will normally be processed within 5 business days. Refunds will be issued back to the debit or credit card which was originally used at checkout.

What happens to my statement when I have returned the goods?

Once Clyde Munro has received the return and Klarna has received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

What happens to my statement when I have returned part of my order?

Once Clyde Munro has received the partial return and Klarna has received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

I haven’t received an email with my statement/payment information.

You can log in to the Klarna app or at klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases. Visit Klarna’s FAQ page to find out more about using Klarna.