Klarna is unique and offers Pay Later based on a number of factors such as the order value, previous order history, financial circumstances, and item availability.

Klarna may run 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 Moss Bros. run credit searches against you that could impact your credit rating.

You must be 18 or over to use Pay Later.

You can improve your chances of being offered Pay Later by ensuring you provide your full name and accurate address details, and by shipping to your registered billing address.

Orders are assessed individually. Having previously used Pay Later does not guarantee that it will be offered for future orders, and if not accepted, this does not mean it will be denied in future.


Alternatively, you are able to complete your order with credit or debit card, or PayPal at the checkout.