Payment Options

Klarna offers flexible ways to pay, including spreading your balance into three monthly instalments or paying in full after 30 days, depending on the option you choose. Clearpay allows you to split your treatment cost into four interest-free payments taken every two weeks. Both services make it easier to manage your budget, but the structure of the instalments differs.

Eligibility is subject to approval by Klarna or Clearpay and is based on their own checks. Generally, you need to be over 18, a UK resident, and have a valid debit or credit card to set up payments. Approval is quick, and most clients are eligible to use at least one of the services.

Clearpay requires the first instalment to be made at the time of booking or treatment, with the remaining three payments taken automatically every two weeks. Klarna’s options vary; with “Pay in 3” you pay the first instalment immediately, while “Pay in 30 days” allows you to start treatment with no upfront cost.

With Clearpay, your balance is divided into four equal instalments. Klarna typically allows you to spread the cost over three monthly payments, or pay in full up to 30 days later.

Yes, both Klarna and Clearpay are interest-free when payments are made on time. You will not pay more than the original treatment cost, provided instalments are paid as scheduled.

If a payment is missed, Klarna or Clearpay may charge a late fee or restrict your ability to use their services in future. It is important to ensure you have sufficient funds in your account on the payment dates to avoid additional charges or declined payments.

Most treatments at Lumineux Aesthetics are available with Klarna or Clearpay, although certain exclusions may apply. Our team will confirm during your consultation whether your chosen treatment can be funded this way.

Yes, both Klarna and Clearpay use secure payment systems with industry-standard encryption. Your financial details are never shared with Lumineux Aesthetics and are handled directly through their platforms.

Klarna may perform a soft credit check for eligibility, which does not affect your credit score. Clearpay does not run a hard credit check but may review your payment history to determine approval. Missing payments could affect your ability to use their services in future, but it will not impact your credit rating directly.

Yes, Klarna and Clearpay can usually be used to pay for discounted treatment packages. You will still benefit from any package savings, while spreading the cost into manageable instalments.

Klarna may run a soft check, which does not leave a footprint on your credit file, while Clearpay does not require a full credit check. Both services focus more on affordability and your ability to meet repayments.

Approval is instant in most cases. Once you enter your details at checkout or in clinic, Klarna or Clearpay will notify you immediately whether your application has been successful.

Yes, you can pay off your Klarna or Clearpay balance at any time before the scheduled instalments are due. This gives you flexibility if you prefer to clear the balance sooner.

If your payment is declined, you should check your card details and available balance, then try again. You can also contact Klarna or Clearpay directly for assistance. Our team will be happy to discuss alternative payment options so you can still go ahead with your treatment.