Enjoy Now - Pay Later

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 170,000 online stores. Over 60 million consumers worldwide have already trusted Klarna to securely handle their payments.

Online at tigersheds.com

1. Add the items you want to add your basket and proceed to checkout
2. In payment options select "Klarna", you can then select the finance option which you require
3. You will be asked to complete a simple online application, it's quick, easy and you'll get the decision within a matter of seconds. There is NO paperwork to be posted and NO physical signature required!

Ordering by phone with the Tiger Sheds sales team

1. Detail your order with your Tiger representative
2. Choose your preferred payment option
3. You will be sent the same simple Klarna application form by email or text to complete, with a decision in seconds!

The finance options are only available to UK residents aged 18 or over, with at least 3 years continual address history. Goods must be delivered to the billing address.

For the Pay later in 3 option, applicants must have a debit or card card.

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

If you want to make a purchase with Klarna using Pay later in 3, you'll also need to provide your debit or card card: without this and your correct details you will not receive your payment schedule and any updated order information.

Yes. Goods that are ordered to your specification or not available as a standard product from our website, for example made to order sheds and log cabins, are considered to be bespoke. These can be ordered on finance, but as they are bespoke to your specification, an initial deposit payment by credit or debit card is required when you order. This deposit is a minimum of 25% of the order value (though you also have the option to increase this to reduce the loan amount, as long as the loan amount is more than ￡300). If your subsequent finance application is declined, and you decide not to continue with the order, rest assured your deposit will be returned. Please note that as these orders are considered bespoke, they cannot be cancelled or returned once the order has entered manufacture. In this case, after we have sent you our confirmation email you will have entered into a binding contract to buy the goods, and because the goods are being made to your specification you will not be able to cancel that contract.

Klarna is unique and offers finance options 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 terms 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 had a loan 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.

Pay later in 3 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 Tiger Sheds and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Pay In 3 option here is only available on orders between ￡300 and ￡1000. It is also 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. This is carried out by the Klarna Bank AB and Tiger Sheds has no part in the decision.

0% interest & 9.9% interest options:
Similar to all traditional finance providers who offer products of this nature, with the customer’s consent a hard credit check is undertaken. There will be a record of the search on your credit file with the CRA. If you fail to pay on-time in accordance with the, the credit reference agencies are informed which may have an impact on their credit score.

Pay later in 3 option:
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 Tiger Sheds run credit searches against you that could impact your credit rating.

For 0% interest & 9.9% interest finance options you can also use the Klarna app if you want to settle your balance early. Paying before the due date is currently not possible if you are using the Pay later in 3 purchase option.

Applications can be declined for a whole host of reasons. Unfortunately, we are not given the reason why a customer is declined for a credit application. The authorisation process is carried out by the Klarna Bank AB and Tiger Sheds has no part in the decision.

If you wish to find out more please contact the Klarna Bank AB directly. Their details can be found in the email you will have received from Klarna Bank AB confirming the lending decision.

If you have chosen to spread payments with 0% interest, or with 9.9% interest, through Klarna, they will send you an email with further details on how to pay.

If you have chosen Pay in 3, you can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.

0% interest & 9.9% interest options:
If you are on a monthly payment agreement using Slice It (0% or 9.9% options) you can at any time choose to pay your minimum payment instead of your interest-saver payment.

Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable). It’s up to you.

Pay later in 3 option:
This schedule is based on 3 equal instalments, so the level of payment cannot change.

Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.

If you using an agreed credit through Slice It (the 0% interest & 9.9% interest options) Klarna will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account.

First, log in at www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service here.

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

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at Tiger Sheds 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.

Klarna will notify you via email and push notification 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 by logging in at www.klarna.com/uk

Please contact Klarna’s Customer Service via live chat or phone. They will be able to provide you with details on how to pay. You can find their contact details on www.klarna.com/uk/customer-service

For Pay in 3, you can log in at www.klarna.com/uk , where you will find all of your orders and payment schedule information.

As soon as Tiger Sheds have accepted your cancellation/return, according to our terms and conditions, then Klarna will make any necessary adjustments to your balance and provide further help if needed (if paying on Slice It) or will cancel any future scheduled payments as well as refund any amounts due (if paying using Pay in 3 option) as appropriate.

As soon as the store have registered your cancellation or your return, we will credit the balance back to your Klarna Account within the next 5 business days.

For the Pay In 3 option, as soon as Tiger Sheds has registered your cancellation or your return with Klarna, the refund will be processed within 5-7 business days.

For orders using 'Slice it' (0% or 9.9% interest), the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.

For orders using Pay In 3, refunds shall be issued back to the debit or credit card which was originally entered at checkout.

Once Tiger Sheds 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, Klarna shall refund any payments collected and cancel any future scheduled payments.

You should of course not pay your statement until you've received your goods. In this case, contact the Tiger Sheds customer service team for an update on your order, and inform Klarna Customer Services so that they can postpone the due date on your payment.

For Pay in 3, in the event that your goods have not been received please call us to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment.

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

If you don’t make a payment to Klarna for 2 consecutive months, after the second consecutive missed payment, the outstanding balance in your account will no longer be on the agreed terms (either interest free or 9.9% APR) and will become interest-bearing at 18.9% APR meaning you will have to pay interest on it at 18.9% APR. Then, if you are unable to make payments for 2 consecutive months after your account is transformed to interest-bearing, Klarna will begin debt collection proceedings.

Your monthly payments to Klarna should be made in full and on time to avoid incurring interest. You can opt to pay less than your set monthly amount with Klarna if you wish, but payments will then include added interest at a rate of 18.9% APR (variable). If you have further questions, please contact Klarna's customer service team. You can find their contact details on www.klarna.com/uk/customer-service