All you need to start
1. A UK bank account
2. To be 18 years of age or over
3. A UK residential address
Pay Later with Klarna gives you 30 days to pay once your order has been shipped. No fees, no interest charges.
1. Shop
Find something you love at Cool Crutches, add it to your bag and go to checkout.
2. Choose how to pay
Select your Klarna payment method of choice – don’t worry, you won’t have to create a Klarna account if you don’t want to.
Place your order and you’re done. Easy.
3. Pay
Pay later with Klarna:
Once your order’s been sent, you’ll have 30 days to pay Klarna, and you’ll get a reminder before payment is due.
Pay later in 3 with Klarna:
Split your purchase into 3 equal payments. The first instalment will be taken from your card when you place your order. The next two remaining payments will be automatically charged 30 and 60 days later. Don’t worry: you’ll get notifications when your payment is due and when it’s collected.
For both options, there’s zero interest, fees or late-payment charges – always.*
TIP: If you return any items on your order, your Klarna statement and schedule will be updated.
FAQ'S
How does pay later with Klarna work?
Once your order has been confirmed, you’ll receive and email from Klarna with payment instructions within 2 days. You’ll then have 30 days to complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk.
Who is Klarna?
Klarna is one of Europe’s largest banks where you can buy now and pay later. Over 60 million customers use Klarna Pay Later at over 85,000 online stores.
What do I need to provide to pay later with Klarna?
To Pay Later with Klarna, you’ll need to provide your mobile number as we may need to contact you. We’ll also need your email address so that we can send your payment statements.
It’s important that you provide the correct details, as you won’t receive the relevant payment information. This means that you’ll be liable for delayed payment fees.
Will you run a credit search against me when I pay later with Klarna?
No – neither Klarna or Cool Crutches run credit searches against you that could impact your credit rating. Klarna may run enquiries, however these won’t affect your credit score.
What happens if I cancel or return my order?
Klarna will cancel the statement once your order has been cancelled. If you return your order, a refund will be processed once it arrives back at our warehouse, and Klarna will then refund your payment.
Why has Klarna declined my order?
In order to be approved for Pay Later with Klarna, you need to be 18 years of age or over, provide an accurate date of birth and billing address, as well as having a UK bank account and a good credit standing.
If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:
- Klarna may have rejected your application to pay on account. We’d recommend choosing another type of payment or placing an order for a smaller amount.
- You may have outstanding payment on previous Klarna invoices.
- You may have missed a required field at the checkout, such as filling in your Date of Birth.
Please note Klarna is an independent payment company and Cool Crutches has no influence over whether your payment with Klarna is accepted or not. If you have any trouble with your order, please contact Klarna Customer Service www.klarna.com/uk/about-us/contact.
What happens if I don't pay my statement?
Payment is due 30 days after the item is shipped. To help you pay on time, you’ll be sent a reminder email 2 days before payment is due – and, if very late, we’ll also send you a text or letter. Please note, your credit score will be affected if you don’t pay Klarna for your order.
1. What is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply).
The service is provided by Clearpay Finance Ltd.
2. How do I use Clearpay?
Just shop on Merchant Site and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex).
If you’ve used Clearpay before, just log in to your Clearpay account.
Then complete your order!
3. Where can I use Clearpay?
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.
4. Who can use Clearpay?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.
Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.
Other eligibility criteria apply. See Clearpay Terms of Service for further details.
5. How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
6. What if I can’t pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £36, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
7. When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from Merchant Site.
8. Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be between Merchant Minimum Order and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
9. Can I use another form of payment with Clearpay?
Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
10. How do I return or exchange an item purchased with Clearpay?
Items purchased with Clearpay follow our standard return process.
Please note, refunds for Clearpay purchases will be refunded from Merchant Site to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account.
11. Where can I find out more about Clearpay?
Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy here.
