To help you finance your new purchase, we’ve partnered with Klarna.
Klarna offers a different way to buy your phone by spreading the cost over monthly payments. Please note that to get a loan with Klarna you’ll need, as a minimum, to:
Be aged 18+
Have a valid UK billing address (and usually 3+ years of address history)
Have a debit or credit card
Provide any other information that might be requested by Klarna
Please be aware that you are responsible for all payments on the phone until loan completion. This also applies in the unfortunate event that you lose or have your phone stolen. You should contact Klarna’s customer services team if you have any questions relating to your loan repayments.
Did you know? If you've been declined for a Klarna loan, don't worry – you might still be able to spread the cost with Klarna's 'Pay in 3' option, if you qualify. You can check it out on the Klarna website.
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Legal information
Legal information
giffgaff Limited is authorised and regulated by the FCA (FRN 841488) and acts as a credit broker and not a lender, offering credit products provided by Klarna Bank AB (publ).
Credit offered subject to financial circumstances. Must be 18. T&Cs apply. Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.
General information about Klarna and the user terms per country can be found on klarna.com. Your personal data when using Klarna is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy statement.
FAQs
How do I pay monthly for a phone with Klarna?
How do I pay monthly for a phone with Klarna?
Here are the steps you need to follow to buy and pay for a phone with our loan partner Klarna.
Choose the phone you want from our phones page
Select 'pay monthly' as your payment method
Choose the upfront payment
Enter your card details for the upfront payment.
Select the length of the payment plan
Get an instant decision. If your Klarna loan is approved, the upfront payment will be taken from the details you provided earlier.
Once you’ve been approved for a Klarna loan, your phone will be delivered the next business day. You’ll also receive an email from Klarna with a full breakdown of your loan agreement
Klarna will contact you to set up a direct debit, which you can do online on Klarna.com or in the app available on iOS and Android
Note: You'll not be charged until your Klarna loan has been approved.
Is a payment taken if my Klarna loan is declined?
Is a payment taken if my Klarna loan is declined?
If your Klarna loan is declined, NO payment will be taken. Read more about if you're having problems with your Klarna payments.
How do I manage my Klarna loan account?
How do I manage my Klarna loan account?
The quickest way to manage your Klarna account, make payments and check the status of your payments, is on Klarna.com or in Klarna’s handy app. For help managing your repayments, contact Klarna’s friendly customer services team online or in the app to live chat 24/7.
You can also make overpayments or additional payments to reduce your balance by logging into your Klarna account. For specific terms, contact Klarna directly.
Does Klarna do a hard credit check?
Does Klarna do a hard credit check?
Yes, financing is dependent on a full credit check, a member’s previous credit history, an affordability assessment, their age and several other factors, including at what time they placed their order. This credit check can influence a members’ credit rating.
If a specific term (e.g., 24 months) isn’t available, it means Klarna hasn’t approved it based on their credit assessment.
More information can be found on the Klarna website.
Why was my loan rejected?
Why was my loan rejected?
Will there will be any credit checks with phones bought with giffgaff?
Will there will be any credit checks with phones bought with giffgaff?
We like to make things easy for you, so in most cases, we won’t be doing any credit checks.
We'll only carry out a credit check if you buy a phone on a contract with a loan. This is carried out by Klarna, on our behalf.
We won't run a credit check if you're buying a phone outright.