Klarna offers Pay in 3 and Pay in 30 days based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 and Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 or Pay in 30 days before does not mean they will be offered for every order. In turn, if your application for Pay in 3 or Pay in 30 days is denied, it does not mean it will be denied for future orders.