Pay in 3 with


Paying Just Got Easier

Quick & Easy

Quick and Easy

Enjoy your favourite White Stuff styles even more by spreading the cost over three payments.



No fees or credit agreement. Just automatic payments taken every 30 days, meaning no late payments charges.*


Safe and Secure

Worldwide, over 85 million customers have trusted Klarna to securely handle their payments.

*T&Cs Apply

Please spend responsibly - borrowing beyond your means could seriously affect your financial status. Ensure you can afford to make your monthly repayments on time by the due date.

Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.

White Stuff Limited 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 30 days and Pay in 3 instalments].

Good news. We now accept Klarna - which means you can shop now and spread the cost over 3 interest-free instalments. Here’s how:


Step 1 Add your products to your shopping bag, and select ‘3 interest-free instalments’ at the checkout and pay normally.

Step 2 Instead of paying immediately, your first instalment will be collected automatically when your order is confirmed by White Stuff.

Step 3 Instalments 2 & 3 are scheduled 30 and 60 days later, respectively until the full order amount has been paid. You will be informed ahead of time. There's no interest, or fees to pay.

  • How does instalments work?

    Instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

    You can always monitor your payment schedule in the Klarna app.

  • Is there a minimum/maximum payment threshold?

    Yes. This method of payment is available for orders over £35 and under £1000.

  • Am I eligible for 'Pay later in 3 interest-free instalments'?

    To use 'Pay later in 3 interest-free instalments' you must be at least 18. Whilst this option is widely promoted, 'Pay later in 3 interest-free instalments' is subject to your financial circumstances. When choosing 'Pay later in 3 interest-free instalments', our assessment will not affect your credit rating.

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

    If you want to make a purchase with Klarna using instalments, you'll need to provide: Your phone number, email address, current billing address and a valid debit/credit card. All correspondence would be sent to your email address however, your mobile number is required should we need to reach you. It's important that all this information is up to date otherwise you will not receive your payment schedule and any updated order information.

  • Is my payment information safe?

    Payment information is processed securely by Klarna. No card details are transferred to or held by White Stuff. All transactions take place via connections secured with the latest industry standard security protocols.

  • Will a credit search take place against me and will it impact my credit score?

    If you use Klarna’s 'Pay later in 3 interest-free instalments' product Klarna may run a soft credit search that does not affect your credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor White Stuff run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.

  • What happens if I cancel or return my order?

    As soon as we have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately. Please note all purchases made with Klarna cannot be returned in White Stuff shops and must be returned through the online returns portal

  • Can I pay before the due date?

    Yes! Simply log into the Klarna app or log onto and select “Pay off early”.

  • How long will it take to be refunded?

    As soon as we have registered your cancellation or your return, the refund will be processed within 5-7 business days.

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

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