Klarna is a quick and easy way to pay online, allowing you to split your next jewellery purchase into three equal, interest-free instalments. Trusted by millions of customers across the world, Klarna is a safe and simple way to pay.
To use Klarna you must be at least 18 years old. Your eligibility is checked through an affordability assessment and a credit check is performed.
When a credit check is performed, Klarna verifies your identity using the details you provided and will look at information from your credit report. Depending on the payment option you choose, they may perform different types of searches and checks to assess your financial standing:
Once your return or cancellation has been accepted by the Ruby & Oscar Customer Service Team, Klarna will cancel your scheduled instalments and refund your initial payment. Refunds will be processed within 30 days. Read more about our returns policy here.
All payment information is securely processed by Klarna via secured connections and in line with most recent industry-standard security protocols.
Klarna will automatically attempt to take your second and/or third payment instalment for your purchase from the credit or debit card entered at checkout. If they are unable to take the payment, Klarna will reattempt to take the payment again two days later. If this attempt is unsuccessful, Klarna will issue you a statement for the full outstanding order amount which will be payable 15 days later.
A soft credit check is performed when you apply for the Pay Later option which will not affect your credit score. However, as a responsible lender, Klarna shares data about your payments to credit reference agencies which are visible to other lenders.
A hard credit check will be conducted when applying for the Pay Over Time option. This may affect your credit score.
You can manage your invoices and scheduled payments at klarna.com or in the Klarna app. For assistance with your payment installations, please contact Klarna customer service.
For any queries directly relating to your Ruby & Oscar purchase such as resizing, returns or general queries please contact the Ruby & Oscar Customer Service Team. For help with your scheduled payments or queries about Klarna, please contact Klarna customer service.
Shopping with Klarna is simple and safe. For more information on Klarna's detailed security measures, please see Klarna's Buyer Protection.
For help with your Klarna payments, please contact Klarna customer service.