*** THE USUAL 10 WORKING DAYS FOR ORDERS BEING MADE IS NOT ALWAYS GUARANTEED CURRENTLY DUE TO AN ONGOING FAMILY SITUATION - THANKS FOR YOUR KINDNESS AND PATIENCE WHEN PLACING YOUR ORDER *** All jewellery is made to order and sent worldwide from the UK. International Piglets may be required to pay Import Tax. For more information, head to the shipping section on the FAQ page.
Buy quirky, fun Perspex acrylic jewellery that is laser cut and handmade with love in a way that suits your lifestyle and your pocket!
You can purchase your Little Pig jewellery using a number of ways and be confident in knowing that your chosen payment is handled securely by one of our payment partners. Whether you want to pay for your jewellery in real time or spread the cost over time there are many options available to you and a little bit of information is available about each option below.
Upfront Payments
To pay for your jewellery purchase straight away (rather than using instalments) you can choose to pay via your credit or debit card and your payment will be processed securely. You may also choose to pay via Apple Pay, Amazon Payments, Google Pay or PayPal that you have linked to your chosen account.
Spreading the cost
If you are wanting to purchase jewellery from Little Pig Jewellery Design but want to plan your purchase perhaps between pay days or spreading the cost suits your budgeting needs, then there a few payment options that may suit you. The following payment partners are available to you (feel free to click on the links underlined below to visit the individual company websites) and will process your payment and instalments. Read on for a little more information about payments via Klarna, Clearpay and Lay-Buys.
KLARNA
Currently only available to UK customers. You can spread the cost of your purchase with Klarna in a choice of 2 ways, choosing your jewellery items and receiving them as soon as they are made and ready but deferring your payments to suit you. Please read below for all of Klarna's terms.
Option 1 is Pay Later. Select this option at checkout and defer your payment for up to 30 days.
Option 2 is Pay in 3 (There is a minimum order amount set by Klarna of £35 for this option) Your first payment is made on day 1, the second on day 30 & final payment on day 60.
Pay Later in 30 days Terms and Conditions
Thank you for choosing to shop with Klarna.
This is a credit agreement between you and us. When we use ‘us’, ‘we’ or ‘our’ in this document, we mean Klarna Bank AB UK Branch. When we use ‘you’ in this document, we mean anyone who has bought something using Pay Later in 30 days (“Pay Later”) with Klarna.
Section 8 “Do you charge late fees?” applies to Pay Later credit agreements made on or after 16 March 2023. This section does not apply to Pay Later credit agreements made before this date.
1. Who can use Pay Later?
You must be a UK resident, over 18 years old and have a valid payment card to use Pay Later. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover your payment.
Pay Later is a credit product. It’s our decision whether or not we start a credit agreement with you.
2. How do I Pay Later?
With Pay Later, you can pay for something you buy up to 30 days from the order placement or shipment of your goods or when services you have purchased become available. We will send you a payment reminder with details on how to make payment to us directly, or if you have opted in for autopay notify you of any upcoming payments that will be withdrawn on due date. If you’d like to pay off your balance before the 30 days is up you can make a payment early through the Klarna App by paying by card immediately.
3. When it’s time to pay, which cards does Klarna accept?
Klarna accepts most cards except prepaid cards. We’ll let you know at checkout if your card hasn’t been accepted.
4. What if something goes wrong?
Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.
If you cancel your purchase, we’ll cancel your outstanding payment that’s due. If you want to return part of your order, you’ll only have to pay for the goods you want to keep.
6. What happens if I fail to pay for my purchase?
It is important that you complete your payment for your purchase no later than on the communicated due date. You can manually make a payment in the Klarna App using your card.
If you have opted in for autopay, Klarna will try to automatically withdraw the amount due on the due date. Klarna will notify you prior to the upcoming payment. If we can’t take the payment from your card, we’ll let you know, and try again one more time to take the money. We’ll let you know when we’re going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.
If we can’t take the money from your card on the due date or on when we try again 7 days later, we will ask you to pay the outstanding amount directly in full. If you do not pay, we may use a debt collection agency to collect the money for us. A debt collection agency is an FCA regulated company used by Klarna to recover funds that are overdue.
Klarna will always get in touch with you before attempting to collect a payment from your card. We will also contact you if we plan to use a debt collection agency to recover the outstanding amount.
Not paying on time might also mean you can’t use Klarna credit products in the future. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit from Klarna and other lenders in the future.
7. Will using Pay Later affect my credit score?
No. We might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, or your chances of using credit in the future. You’ll be able to see it on your credit file, but no one else will.
We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Failure to pay on time might affect your ability to obtain credit in the future from Klarna and other lenders. More information about reporting to credit reference agencies can be found in Klarna’s Privacy Notice.
8. Do you charge late fees?
We will charge you a late fee if you do not pay us within 7 days after your payment is due. If you have opted into autopay, we’ll retry to charge your card once within this time. If we are not able to collect payment from you after the retry or you do not pay us manually then a late fee will be applied. You will not be charged a late fee if we collect payment or you pay us before then.
We’ll send you plenty of friendly reminders so you can make sure you’ve got enough money on your card before we collect payment from you or so you don’t miss your due date.
If your order is over £20, we will charge you a late fee of £5. If you only receive part of your order and the total value is £20 or less, the late fee will only be 25% of the purchase price of the order. For example, if your order’s total value is £16, you will be charged a £4 late fee, which is 25% of £16.
You will only be charged a maximum of two late fees per Pay Later order. We won’t charge you a late fee if you have less than £1 left to pay.
We may delay or decide not to charge you late fees. If we do not enforce our rights against you for late fees, this will not stop us enforcing those rights at a later date. If you think late fees have been charged in error, please contact Klarna Customer Services.
9. How does Klarna use my personal data?
We use your personal data to identify you and to carry out customer analysis, credit assessments, credit reporting to credit reference agencies, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.
Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice.
10. How do I make a complaint?
You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible.
If you’re not happy with our response, you can contact Klarna’s Complaints Adjudicator. Use the form provided alongside your final response.
You can find our full complaints information here.
11. Transfer of rights
This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first.
We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you.
12. Klarna
Klarna Bank AB UK Branch is a branch of Klarna Bank AB which is authorised and regulated by the Swedish Financial Services Authority. Klarna is authorised by the Prudential Regulation Authority. It is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna's Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB UK Branch’s number is BR020956 and its address is Aviation House, 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom, with FCA reference number 536065. Klarna Bank AB’s headquarters are at Sveavägen 46, 111 34, Stockholm, Sweden, registered in the Swedish Commercial Register under registration number 556737-0431.
Pay in 3 instalments Terms and Conditions
Thank you for choosing to shop with Klarna.
This is a credit agreement between you and us. When we use ‘us’, ‘we’ or ‘our’ in this document, we mean Klarna Bank AB UK Branch. When we use ‘you’ in this document, we mean anyone who has bought something using Pay in 3 instalments with Klarna.
Section 12 “Do you charge late fees?” applies to Pay in 3 credit agreements made on or after 16 March 2023. This section does not apply to Pay in 3 credit agreements made before this date.
1. Who can use Pay in 3?
You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments.
Pay in 3 is a credit product. It’s our decision whether or not we start a credit agreement with you.
2. How do I Pay in 3 instalments?
With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay in 3 interest-free instalments’. When you choose this option, just enter your card details to complete your purchase.
There won’t be any interest, fees or charges for using a debit or credit card by Klarna. Although your bank might charge you interest or other fees on top if you pay using an interest-bearing credit card, for example.
3. Are there any alternative options for paying off my balance?
Yes, you are able to make payment early through the Klarna App by paying by card immediately or you can request our bank account details from Klarna’s Customer Services team for direct bank transfer. If a payment is made earlier, and the balance cleared we will not continue charging your card.
4. Which cards does Klarna accept?
Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted.
5. What if something goes wrong?
Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.
At the point of purchase we’ll freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we've received confirmation that your items have been shipped, or that the order has been processed, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, we’ll unfreeze or refund your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.
The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment. We’ll charge your card automatically when your payment is due so you don’t have to pay us back manually or worry about missing a payment.
The dates these payments are due will be sent to you by email, and you’ll be able to check them in our app.
Sometimes the shop (instore or online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order.
7. What happens if my card is cancelled, or my card details change?
If your card is cancelled, you’ll still have to pay us any money you owe as soon as we ask you to.
If your card details change between your purchase and your final payment, you must tell us your new details. You can do this online. If you don’t give us this information, we might ask the bank for your details.
8. What happens if I cancel my order?
Your cancellation is subject to the store’s cancellation policy, so you need to check the store’s website for information on their cancellation policy and instructions on how to cancel an order and return the good(s) if already received.
If your next payment or due date for the cancelled order is approaching, you can pause billing by choosing that order in the Klarna App and click “Report a problem”.
Once the store has confirmed the cancellation or return, Klarna will update your payments accordingly as well as refund any amounts due. Refund processing times to you may vary and can take up to 14 days depending on the consumer’s bank.
If you cancel your order, we’ll cancel any outstanding payments and pay back any amounts we’ve already taken from your card. We’ll do our best to pay you back as soon as we can.
If you want to return part of your order, we’ll take the amount from your outstanding balance. It won’t count as a payment, so you’ll need to continue making your payments on the dates they’re due until your balance is paid in full.
9. How and when will I receive my refund?
Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.
Full refund
If you’re due a full refund , we’ll cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.
Partial refund
If you’re due a partial refund that’s more than the remaining balance on your order, we’ll deduct the amount from the outstanding balance first. We'll then refund the difference to the card you used to pay off the purchase.
If the partial refund is less than the remaining balance on your order, we’ll deduct the amount from the outstanding balance. We’ll then spread the remaining balance evenly over the remaining payments.
10. What happens if you can’t take an instalment because I don’t have enough money on my card?
If we can’t take the first instalment from your card, we’ll let you know, and try up to two times again to take the money. We’ll let you know when we’re going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.
If we can’t take the money from you after two attempts, we’ll roll the missed payment over to the second instalment. If we can’t take the second instalment, we’ll give you a few days to update your card details or make sure there’s enough money on your card.
If we still can’t take payment after two more attempts, we’ll roll over the payment to the next and final instalment. If we still can’t take the payment, we’ll try again twice. If we’re still not successful, we might ask you to pay the outstanding amount directly or use a debt collection agency to collect the money for us. A debt collection agency is an FCA regulated company used by Klarna to recover funds that are overdue.
Klarna will always get in touch with you before charging your card. We will also contact you if we roll over a payment to the next due date or if we have to use a debt collection agency.
Not paying your instalments on time might also mean you can’t use Klarna in the future. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit from Klarna and other lenders in the future.
11. Will using Pay in 3 affect my credit score?
We might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, but we will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Failure to pay on time might affect your ability to obtain credit in the future from Klarna and other lenders. More information about reporting to credit reference agencies can be found in Klarnas Privacy Notice.
12. Do you charge late fees?
We will charge you a late fee if you do not pay us up to 14 days after your 2nd or 3rd instalments are due. We’ll attempt up to three times to charge your card within this time. If we are still not able to collect payment from you, we will charge you a late fee. You will not be charged a late fee if we collect payment or you pay us before then.
We’ll send you plenty of friendly reminders so you can make sure you’ve got enough money on your card before we collect payment from you.
If your order is £30 or more, we will charge you a late fee of £5. If you only receive part of your order and the total value is £20 or less, the late fee will only be 25% of the purchase price of the order. For example, if your order’s total value is £16, you will be charged a £4 late fee, which is 25% of £16.
You will only be charged a maximum of one late fee per instalment. We won’t charge you a late fee if you have less than £1 left to pay.
We may delay or decide not to charge you late fees. If we do not enforce our rights against you for late fees, this will not stop us enforcing those rights at a later date. If you think late fees have been charged in error, please contact Klarna Customer Services.
13. How does Klarna store my card details and my personal data?
We store your card details on our systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future.
You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.
We use your personal data to identify you and to carry out customer analysis, credit assessments, credit reporting to credit reference agencies, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.
Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice.
14. How do I make a complaint?
You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible.
If you’re not happy with our response, you can contact Klarna’s Complaints Adjudicator. Use the form provided alongside your final response.
You can find our full complaints information here.
15. Transfer of rights
This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first.
We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you.
16. Klarna
Klarna Bank AB UK Branch is a branch of Klarna Bank AB which is authorised and regulated by the Swedish Financial Services Authority. Klarna is authorised by the Prudential Regulation Authority. It is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna's Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB UK Branch’s number is BR020956 and its address is Aviation House, 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom, with FCA reference number 536065. Klarna Bank AB’s headquarters are at Sveavägen 46, 111 34, Stockholm, Sweden, registered in the Swedish Commercial Register under registration number 556737-0431.
CLEARPAY
1. What is Clearpay? Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). The service is provided by Clearpay Finance Ltd.
2. How do I use Clearpay? Just shop on Merchant Site and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex). If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order!
3. Where can I use Clearpay? Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.
4. Who can use Clearpay? Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details.
5. How does the Clearpay payment schedule work? Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase. If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly. You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
6. What if I can’t pay a Clearpay instalment? If you cannot make a payment, please contact Clearpay here. As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay. Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £36, whichever is less. Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
7. When will my items be delivered if I use Clearpay? Clearpay orders are delivered within our standard delivery timeframes like any order.
8. Is there a limit to how much I can spend on a single Clearpay transaction? Yes, your order value including shipping can be up to £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
9. Can I use another form of payment with Clearpay? Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
10. How do I return or exchange an item purchased with Clearpay? Items purchased with Clearpay follow our standard return process. Please note, refunds for Clearpay purchases will be refunded from Little Pig Jewellery Design to Clearpay. We cannot provide an exchange or cash refund. When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the Little Pig Jewellery Design has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay. You can view the details by logging in to your Clearpay account.
11. Where can I find out more about Clearpay? Visit the Clearpay website for a comprehensive list of FAQs, Clearpay Terms of Service and Privacy Policy.
LAY-BUYS
You can spread the cost of your purchase by selecting Put it on Lay-Buy (powered by PayPal), choosing your jewellery items and receiving them after all the payments have been made. You can spread your payments by up to 6 months and amend your plan with Lay-Buys.
IS IT SECURE?
All LAY-BUY payments are automatically setup in PayPal’s secure environment.
ARE THERE ONGOING COSTS?
No ongoing costs, only a once-off 1.9% admin fee, payable to Lay-Buys.
DO LAY-BUY CHARGE INTEREST?
No interest charges ever.
ARE THERE LATE FEES?
No late fees ever
IS IT FLEXIBLE?
Yes, as a customer you can payout balance at any time and take an earlier delivery via your Lay-Buy account.
WHEN WILL I RECEIVE MY ORDER?
Little Pig Jewellery Design will send out your jewellery after your final payment is received and confirmed.
HOW ARE LAY-BUY PLANS PAID?
Lay-Buy instalment payments are auto-paid from your linked card in your PayPal setup.
HOW DO I ENSURE MY PAYMENTS ARE PAID?
You must ensure there is always funds available and the correct card is linked in PayPal.
WHAT HAPPENS IF I MISS A PAYMENT?
PayPal will then auto attempt again in 5 days, two more times – please ensure you have sufficient funds, and have the correct card linked in your PayPal setup. PayPal sends an email notification to both parties if a payment is missed.
