Klarna · Online and in our Dublin showroom · Ireland, UK and EU
Split your e‑bike into 3 interest-free payments with Klarna
Pay with Klarna from Ireland, the UK and across the EU. Many of our customers outside Ireland choose Klarna to pay for their bike or scooter. In Ireland, Pay in 3 splits your order into 3 interest-free payments over 60 days, with no fees when you pay on time. Pay online or order in our showroom and we'll email you a Klarna payment link. 18+. Credit subject to status.
- Pay in 3 at 0% interestIreland: 3 payments over 60 days, APR 0%
- Ireland, UK and 15 EU countriesPopular with our customers across Europe
- Online or in storeIn the showroom we email you a Klarna link
- Subject to approvalKlarna decides. T&Cs and late fees apply
Pay in 3 calculator · Ireland
Pick an e-bike and see your 3 payments
A selection of our electric bikes from €579 to €1,399, split into 3 interest-free payments using Klarna's Irish Pay in 3 terms. This is an example only, not an offer of credit. Options in other countries may differ.
- Bike price
- Interest €0.00
- APR 0%
- Total payable
Illustrative example only. Not a quote, an offer of credit or a guarantee of approval. Klarna decides at checkout whether to offer Pay in 3 and how much credit to allow, and may ask for a larger first payment, so Pay in 3 may not be available for every order or every bike. Instalment amounts may differ by a cent due to rounding. The first payment is reserved on your card at purchase and taken when your order ships. Bike prices are pulled live from our store and may change. Your card issuer may charge its own interest or fees.
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
How Klarna works
How paying with Klarna works
No application form. Choose Klarna at checkout and Klarna makes a decision there and then.
- 1
Choose Klarna at checkout
Add your bike to cart, pick Klarna as your payment method and enter your card details.
- 2
First payment on dispatch
Klarna reserves the first instalment on your card and takes it when your order ships.
- 3
Two more payments
The rest is taken automatically 30 and 60 days after the first. Track or pay early in the Klarna app.
0% interestno fees when you keep to your schedule
Klarna across Europe
Not in Ireland? You can still pay with Klarna
Many of our customers outside Ireland choose Klarna. Klarna is offered at our checkout in Ireland, the United Kingdom and these EU countries we deliver to.
3 interest-free instalments. This is the Irish option shown on this page.
Pay the full amount later, where Klarna offers it in your country.
Pay the full amount straight away through Klarna.
Klarna decides which options you see at checkout, based on your country and its own assessment. The Pay in 3 details, eligibility and fees on this page are for customers in Ireland. Customers in other countries see the products, fees and terms for their country at checkout. Klarna is only shown when you check out with an email address. See our shipping policy for EU delivery.
Online
Pay with Klarna at checkout
- Add your bike or scooter to cart and choose Klarna
- Check out with your email address so Klarna can be shown
- Klarna gives you a decision there and then
- Delivered across Ireland, the UK and the EU
See it in store, pay with a Klarna link
Come and see the bikes and scooters in our Ballymount showroom. If you'd like to pay with Klarna, our team will set up your order and send a secure Klarna payment link to your email.
- Visit the showroom and choose your bike or scooter
- We create your order on our till
- We email you a secure Klarna payment link
- Complete the Klarna checkout on your phone
- Once Klarna confirms the payment, we arrange collection or delivery
Good to know
Cards, early payment and your schedule
- Use a debit or credit card in your name. Prepaid cards aren't accepted
- Make sure your card has enough funds for each instalment
- Pay off early at any time in the Klarna app
- Due dates are emailed to you and shown in the Klarna app
- Klarna's due date extension isn't available on orders of €500 or more
Changed your mind?
Cancellations and returns follow our own returns policy and your statutory rights. Once we confirm a return, Klarna updates or refunds your payments.
- Full refund: Klarna cancels remaining payments and refunds what you've paid
- Partial refund: taken off your outstanding balance first
- Waiting on a return? Pause billing in the Klarna app with "Report a problem"
Who can use it
Klarna Pay in 3 eligibility in Ireland
Klarna's published requirements for Pay in 3 in Ireland. Requirements in other countries are set by Klarna and may differ. Meeting them does not guarantee approval. Every decision is made by Klarna, not Inner City Scooters.
Aged over 18
Resident in Ireland
Debit or credit card in your name, not expired
Enough available on your card for each instalment
Klarna assesses each purchase at checkout
Klarna makes its own decision on each order, and we can't see or change the reason. You can choose another payment method, or ask us about humm for longer repayment plans.
Fees
What Klarna Pay in 3 costs
No interest and no fees when you follow your automatic payment schedule. These are Klarna's published fees for Pay in 3 in Ireland. Fees in other countries may differ.
APR 0%
When you keep to your schedule
Per instalment, by order value
Per purchase, never more
Late fees per instalment
| Order value | Late fee |
|---|---|
| Below €100 | €3 |
| €100 to €199.99 | €5 |
| €200 to €499.99 | €8 |
| €500 or above | €0 |
Due date extension fees
| Order value | Fee per instalment |
|---|---|
| Below €100 | €2 |
| €100 to €199.99 | €3 |
| €200 to €499.99 | €4 |
| €500 or above | Not available |
Source: Klarna Pay in 3 Terms and Conditions for Ireland, published June 2026. Klarna can change its fees and terms. The terms shown to you at checkout and in your Klarna credit agreement apply. See Klarna's Pay in 3 terms.
Questions
Klarna FAQs
Is Klarna Pay in 3 really interest-free?
Yes. Klarna charges no interest on Pay in 3 and no fees when you follow your automatic payment schedule. Late fees can apply if a payment is missed, and your card issuer may charge its own fees.
When are my payments taken?
Klarna reserves the first instalment on your card at purchase and takes it when your order ships. The second is taken 30 days later and the third 60 days after the first. Your due dates are emailed to you and shown in the Klarna app.
Can I pay off early?
Yes. You can pay the balance early by card in the Klarna app. Once it's cleared, Klarna stops charging your card.
Will Klarna affect my credit score?
Klarna's Irish terms say it carries out its own risk assessment and does not share that information with the Central Credit Register. Missed payments may still affect your credit report and your ability to use Klarna in future.
Why was I declined?
Klarna makes its own decision on every order based on its assessment. Inner City Scooters can't see the reason or change the decision. You can choose another payment method at checkout.
What happens if I return my bike?
Returns follow our returns policy. Once we confirm the return, Klarna cancels any remaining payments and refunds what you've paid to your card. Refunds can take up to 14 days to reach you, depending on your bank.
Can I use Klarna if I live outside Ireland?
Yes, in many countries. Klarna is offered at our checkout in Ireland, the UK, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, the Netherlands, Poland, Portugal, Romania, Spain and Sweden. The options and terms you see depend on your country and Klarna's assessment.
Can I pay with Klarna in your showroom?
Yes. Our team creates your order on our till and emails you a secure Klarna payment link. You complete the Klarna checkout on your phone, and once Klarna confirms the payment we arrange collection or delivery.
Can I use Klarna with Bike to Work?
No. Bike to Work purchases are paid through your employer, so Klarna can't be used for them.
Do you offer longer payment plans?
Yes, we also accept humm, which offers longer repayment terms, subject to humm's approval and fees. Ask our team which option suits you.
Important information
Please read before you choose Klarna
- Please shop responsibly. Pay in 3 in Ireland: 18+ ROI residents only. Credit subject to status. APR 0%. Terms and conditions and late fees apply.
- Credit provider. Klarna Pay in 3 is a credit product provided by Klarna Bank AB (publ), trading as Klarna. Klarna is authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and regulated by the Central Bank of Ireland for consumer protection rules. Your credit agreement is with Klarna, not with Inner City Scooters. Outside Ireland, the Klarna entity and regulator for your country are shown in your Klarna terms.
- We are a retailer, not a lender. Inner City Scooters offers Klarna as a payment option at checkout. We do not make credit decisions, set spending limits or fees, or provide financial advice.
- Approval is not guaranteed. Klarna decides whether to offer Pay in 3 on each purchase and how much credit to allow. Pay in 3 may not be available for every order, amount or customer.
- Customers outside Ireland. Klarna's products, eligibility, fees and terms vary by country, and Klarna decides which options you see. The terms shown at checkout and in your Klarna agreement for your country apply. The Pay in 3 details on this page are based on Klarna's Irish terms.
- Showroom orders. Orders placed in our showroom and paid by Klarna payment link are subject to Klarna's approval and terms in the same way as online orders. Your order is confirmed only once Klarna confirms the payment.
- Calculator is illustrative. The calculator on this page is a guide only. It is not a quote or an offer of credit. Your actual payment plan is shown at checkout and in your Klarna credit agreement.
- Late payments. Klarna may charge late fees as set out in its terms, roll missed payments into your next instalment and, as a last resort, use a debt collection agency. Missed payments may stop you using Klarna in future.
- Your card. Your card issuer or bank may charge its own interest or fees. Prepaid cards are not accepted.
- Cancelling the credit agreement. Klarna's terms give you the right to withdraw from the credit agreement without charge by repaying the balance in the Klarna app. Returns of the product itself follow our returns policy and your statutory rights.
- Complaints about Klarna. Contact Klarna through its customer service or app. Unresolved complaints can be referred to the Financial Services and Pensions Ombudsman (fspo.ie).
- Bike to Work. Bike to Work purchases are paid through your employer, so Klarna cannot be used for them.
- Prices and availability. Product prices and availability can change. Information on this page is general and based on Klarna's published terms at the time of writing.
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Full terms: Klarna Pay in 3 Terms and Conditions (Ireland) and klarna.com/ie. Information last reviewed October 2026.
Talk to us
Questions about paying with Klarna?
Visit the showroom or get in touch from anywhere in Europe. Our team can help you choose a bike or scooter, explain your payment options and send you a Klarna link for in-store orders. For questions about your Klarna account or payments, contact Klarna directly in the Klarna app.
