4betterdays and Klarna offer you a flexible way to shop online – installment payments.
Decide for yourself every month how much you want to pay. You always receive your goods before payment, and all purchases are summarized on a monthly bill.
Example: You buy a bed for €1,000 using our installment payment option.
- The setup fee is €0.
- The monthly installment payment fee is €0.45
- Assuming an effective annual interest rate of 10%
- With payment in 12 installments, the total amount is €1,105.44
You receive your product immediately and conveniently pay for it in 12 monthly installments of €92.12 each.
The payment due date is 14 days after the goods are shipped. In the event of late payment, Klarna may charge a flat-rate compensation of €1.20.
Please note that the monthly minimum installment for all purchases combined, but also for a single purchase, is always 1/24 of the total amount, but always at least €6.95. If your purchase initially exceeds an amount of €199.99, a valid installment payment agreement only exists once you have signed an installment payment contract.
Klarna checks and evaluates your data and, where there is a legitimate interest and reason, exchanges data with other companies and credit reporting agencies. If a customer's creditworthiness cannot be guaranteed, 4betterdays may subsequently refuse the customer the installment payment method.
Klarna processes your personal data to fulfill our obligations under this agreement and for the additional purposes stated in our privacy policy. The privacy policy is available here and on our website.
Further information on Klarna's terms and conditions can be found for Germany here and for Austria here.
"All information without guarantee"
