Finance

We at TDM Gym have partnered with Klarna to give you flexible ways to pay for your order. When you choose Klarna at checkout, Klarna makes the decision about whether you’re approved and which payment options you can use.

The Klarna payment options you may see

Klarna shows what you’re eligible for during checkout. Options can vary by order value and your approval status.

1) Pay in 3 (interest-free) Split your purchase into 3 payments. Klarna’s Pay in 3 is an unregulated credit agreement, and late payments can affect your ability to get credit. 18+ UK residents only. Subject to status.

2) Pay in 30 days (interest-free if paid on time) Get your order now and pay up to 30 days later with no interest and no fees if you pay on time. Klarna may offer options in the Klarna app to pay earlier or manage your due date. Subject to status.

3) Financing (monthly payments) Spread the cost over monthly instalments. Klarna’s UK Financing page states:

  • £250-£10,000 purchase amount
  • 6-24 months
  • Representative 21.9% APR (fixed)
  • A down payment may be required

Step-by-step: what you do as a customer

  1. Add items to your basket and go to checkout.
  2. Choose Klarna as your payment method.
  3. Klarna will show you the payment options you’re eligible for (if any).
  4. Confirm your plan, complete Klarna’s approval flow, and place your order.

After you order, you can usually manage payments in the Klarna app (payment schedules, reminders, etc.).

Why you might be accepted (what Klarna checks)

Klarna’s approval decisions are automated and based on shared customer data, mainly from credit reference agencies, plus real-time checks to help manage debt risk.

Klarna also notes that automated lending assessments commonly consider data points like:

  • identity & age verification
  • credit history / credit score
  • outstanding debt and affordability indicators
  • spending patterns and residential status

Important: Each purchase attempt gets a new decision based on your current data, even if you’ve been approved before.

Why you might NOT be accepted (common reasons)

You may be declined, or only offered certain Klarna options, if any of the below applies:

  • You don’t meet basic eligibility (e.g. not 18+, not a UK resident)
  • Klarna’s checks indicate too much outstanding debt or a higher risk based on current credit data
  • Your order value falls outside a product’s limits (e.g. Financing is shown as £250-£10,000)
  • You have recent missed/late repayments with Klarna or elsewhere (Klarna references repayment history in its approval explanation)
  • Klarna’s real-time checks flag something that needs protecting customers from over-spending

If you’ve tried a few times and it’s not working, it can help to wait and try again later (some retailers advise waiting ~24 hours after multiple attempts).

“I was declined but I see a pending charge” what does that mean?

Sometimes you’ll see a temporary authorisation hold on your card if a Klarna option is declined. Klarna says these holds are typically released within 24 hours.

What “subject to status” means

It simply means Klarna decides whether to approve you and which plan(s) you can use, based on automated checks at the time you place the order. We (the store) can’t override that decision.

Important notes

  • Klarna’s Pay in 3 (and similar short-term options) are described by Klarna as unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial situation and ability to obtain credit.
  • Financing can include interest (Klarna quotes a representative APR on its UK Financing page).
  • Always check Klarna’s terms shown at checkout before confirming.