Klarna Pay Later in 3

Pay later in 3 interest-free instalments Frequently Asked Questions

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free 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 Yumi and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

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

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

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

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Yumi run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as Yumi 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.

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Yumi from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?

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

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

What happens to my statement, when I've returned the goods?

Once Yumi has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we 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.

I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Yumi to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have cancelled my order. How long will it take until I receive my refund?

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

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

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

You can log in the Klarna app or at www.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 app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.







Size Guide

Looking for the perfect fit? Here you’ll find our size guide with all the measurements you’ll need to find out what size will fit you best. Follow the ‘how to measure’ guide to make sure you get it just right.

(Sizes are based on a height of 5'7"/170cm)

UK/AUS USA EU NORMAL Bust (cm) Waist (cm) Hips (cm)
6 2 34 XXS 79.5 61.5 86.5
8 4 36 XS 82 64 89
10 6 38 S 88 69 94
12 8 40 M 92 74 99
14 10 42 L 98 80 105
16 12 44 XL 104 86 111

Dress Lengths

Tunic/Shift 86-88cm
Dresses above Knee 92-94cm
Dresses below knee 102-104cm
Midi Dresses 112-114cm
Maxi Dresses 145-147cm
XS S M L XL XXL
UK 4-6 8-10 12-14 16-18 20-22 26-28
EU 32-34 36-38 40-42 44-46 48-50 52-54
DE 30-32 34-36 38-40 42-44 44-48 22-24
US 0-2 4-6 8-10 12-14 16-18 20-22

Delivery & Returns

We ship to addresses within the UK, ROI, USA, Canada, Spain, France, Germany, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Gibraltar, Hungary, Iceland, Liechtenstein, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Sweden and Switzerland.

Delivery Costs & Times
Type When? How Much?
UK* Free Delivery on all orders over £100 3 - 5 working days Free
UK* Standard Delivery 3 - 5 working days £2.95
UK* Premium Next Working Day Delivery Next working day £4.95

*Please note that during bank holidays standard delivery orders will be processed in 3-5 working days.

*Please note premium delivery is only available on orders placed Mon - Fri before 3pm. Premium deliveries will be delivered the next working day (not weekends) and excludes Northern Ireland and Scotland. Orders placed after 3pm will be processed as a standard delivery (3-5 working days).

*Northern Ireland and Scotland will be charged as UK but can take between 2 and 7 days to be delivered.

*All orders shipped outside of the EU may be subject to custom duties and taxes which are the responsibility of the customer.

Returns Policy
UK Orders
  • The refund may appear as a "partial refund" due to the deduction of the £2.50 to cover the cost of the returns
  • To return an item to us please package up your items, complete the prepaid returns slip at the bottom of your despatch note and stick the Royal Mail returns slip to the outside of the parcel. Drop the item off at your local post office and don’t forget to get proof of postage.
  • When we receive the parcel, providing all is in good order, we will refund the cost of the goods.
  • We will accept all returns within 100 working days after the delivery date.
  • Refunds are only granted on items returned in their original condition, unworn and with labels attached. On styles with belts, the belt must be included in the return for the refund to be accepted so please remember to pop it in your returns package!
  • For hygiene reasons we cannot offer refunds for pierced earrings
  • Unless the item is incorrect or faulty, the cost of returning an item from outside the UK must be paid for by the customer.
  • Refunds will always be refunded back to your original payment method.
  • We will pay the return shipping costs if you receive an incorrect or faulty item.
  • Please allow up to 10 working days for UK refunds to be processed and up to 15 working days on International refunds.
  • We are unable to accept any returns or exchanges for items bought in store or from our concessions.
  • If you do not have the returns documents you can exchange your unwanted item for a Yumi e-voucher to be used on www.yumi.co.uk
  • In the event of an order not being fulfilled by us we will refund the cost of delivery aswell as the cost of the goods.
  • In the event that you are exchanging for a Yumi e-voucher without the returns documents, the value of the e-voucher will be given to the equivalent of the current items price on www.yumi.co.uk