Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at the TEFL Institute of Ireland from the debit or credit card you entered at checkout. If we cannot collect your payment on the scheduled due date, Klarna will automatically make another attempt to collect the payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the total outstanding order amount, which will become payable 15 days later. Klarna shall notify you when a payment is due two days before attempting to collect your income, and you can constantly monitor the due date in the Klarna app at your convenience.

You will not be charged fees or interest for late and missed repayment(s). 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. If you fail to make a payment, you will be in default and may be unable to use Klarna. We may continue to attempt to collect overdue and currently due payments on subsequent due dates or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.