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Zextons Pay Later

Get it today.Pay in three.

Interest-free Klarna & PayPal instalments on refurbished phones, laptops and consoles — at checkout.

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FCA-regulated credit · UK residents 18+ · subject to status

Instalment previewKlarna · Pay in 3
£
  • Payment 1 of 3
    Today    £109.67
  • Payment 2 of 3
    9 Oct (auto)    £109.67
  • Payment 3 of 3
    8 Nov (auto)    £109.66
Total payable£329.00

Representative example: £329.00 in 3 interest-free payments of £109.67. 0% APR representative.

UK residents 18+, subject to status. Klarna and PayPal Pay in 3 are regulated credit — T&Cs apply.

How it works

Three equal payments. Nothing extra if you pay on time.

Checkout with Klarna or PayPal Pay in 3 on any refurbished phone, laptop or console — 0% interest, no fees when you pay on time. Every plan below is a real credit agreement, so we show you the numbers upfront, the same way it'll look at checkout.

  1. 01

    Today

    Pay the first third at checkout — that’s all you need to take the device home.

    £109.67

    Example on £329.00

  2. 02

    Day 30

    The second third is taken automatically. No chasing invoices, no extra forms.

    £109.67

    Example on £329.00

  3. 03

    Day 60

    Final payment. If every instalment was on time, you paid 0% interest.

    £109.66

    Example on £329.00

Interest on Pay in 3
0%

Interest on Pay in 3

Typical order range
£30–£2,000

Typical order range

UK residents, subject to status
18+

UK residents, subject to status

Providers

Choose the plan that fits your payday

Both providers offer three equal, interest-free payments — the lender and small print differ.

Klarna

KlarnaKlarna Bank AB
  1. 1

    TodayAt checkout

    Pay the first third today, at checkout.

    £109.67

  2. 2

    Day 30Auto payment

    Klarna takes the second third automatically 30 days later.

    £109.67

  3. 3

    Day 60Final payment

    The final third is taken automatically 30 days after that.

    £109.66

Representative example: £329.00 in 3 interest-free payments of £109.67. 0% APR representative. Late payments are not charged interest but may be referred to a debt collector, and may affect your credit score and future borrowing ability.
UK residents 18+, subject to status.Full Klarna terms

PayPal

PayPalPayPal (Europe) S.à r.l.
  1. 1

    TodayAt checkout

    Pay the first third today, using any PayPal-linked card.

    £109.67

  2. 2

    Day 30Auto payment

    PayPal takes the second third automatically after 30 days.

    £109.67

  3. 3

    Day 60Final payment

    The final third is taken automatically after 60 days.

    £109.66

Representative example: £329.00 in 3 interest-free payments of £109.67. 0% APR representative. Missed payments may affect your PayPal Pay Later eligibility.
UK residents 18+, subject to status.Full PayPal terms

Eligibility

What Klarna and PayPal actually check

Since the FCA brought Buy Now Pay Later under regulation on 15 July 2026, both providers must run an affordability check before approving a Pay in 3 order — not just an identity check.

01

Affordability check

Klarna and PayPal each run a proportionate check on the order value and your repayment history — this can be a soft or hard search depending on the provider and order size.

02

Credit reference agencies

Your instalment plan may be reported to UK credit reference agencies, and missed payments can appear on your credit file and affect future borrowing.

03

Who's lending

Zextons is a credit broker, not a lender. The agreement and the lending decision sit entirely with Klarna or PayPal.

FAQ

Frequently asked questions

Buy Now Pay Later at Zextons, in plain terms.

Does this cost anything if I pay on time?

No. Pay in 3 with either provider is 0% interest and fee-free as long as every instalment is paid on the due date. You're only charged more if a payment is missed, and neither provider charges compound interest on a missed Pay in 3 instalment.

What happens if I miss a payment?

The provider will attempt to take payment again and may charge a late fee. Continued missed payments can restrict your ability to use Buy Now Pay Later in future, may be passed to a debt collection agency, and may be recorded with credit reference agencies — this is now standard across regulated BNPL providers.

Can I complain if something goes wrong?

Yes. Since BNPL became FCA-regulated credit on 15 July 2026, you can complain directly to Klarna or PayPal, and escalate to the Financial Ombudsman Service free of charge if it isn't resolved to your satisfaction.

Will applying affect my credit score?

It can. Both providers now run affordability checks before approving an order, and depending on the provider and the order value this may leave a visible search on your credit file. Check each provider's own terms at checkout for specifics.

Is Zextons the lender?

No. Zextons acts only as a credit broker, introducing you to Klarna or PayPal. The credit agreement, the affordability decision, and the repayment schedule are entirely between you and the provider you choose.

What if I'm struggling to keep up with payments?

Tell Klarna or PayPal as early as possible — both run dedicated support for customers in financial difficulty and can pause or restructure a plan rather than just chase the missed payment. Free, independent debt advice is also available from MoneyHelper and StepChange.

Ready to shop with Pay in 3?

Browse refurbished phones, laptops and consoles — choose Klarna or PayPal Pay in 3 at checkout.

Shop now

Zextons Limited is a credit broker, not a lender, and offers credit products from a panel of providers including Klarna Bank AB (publ) and PayPal (Europe) S.à r.l. et Cie, S.C.A. — both authorised and regulated by the Financial Conduct Authority for the provision of this credit. Credit is subject to status, affordability assessment and is only available to UK residents aged 18 or over. Late or missed payments may affect your ability to use Buy Now Pay Later products in the future and may be reported to credit reference agencies. You have the right to refer unresolved complaints to the Financial Ombudsman Service. Figures shown are representative examples, not live pricing.