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Klarna FAQ

Who is Klarna?

Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

How does Pay in 3 work?

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

Am I eligible for Pay in 3?

You need to be at least 18 years old and a UK resident to use Klarna’s credit products including Pay in 3. When you choose Klarna they will also check the information you provide and your financial situation.

Can I have multiple Pay in 3 orders at the same time?

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout then it is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

What does Klarna consider when reviewing my application?

Klarna offers Pay in 3 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 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 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders.

What do I need to provide when I make a purchase?

If you want to purchase something using Klarna’s Pay in 3, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Will a credit search take place?

When you use Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

How do I make repayments to Klarna?

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Tuffa Boots. All transactions take place through connections secured with the latest industry standard security protocols.

How do I know Klarna has received my payment?

Klarna will notify you by email, SMS or push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

What happens if I don’t make a payment on time?

Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs.

What happens if I don’t pay for my order?

If you don't make your payments you will be in arrears as Pay in 3 is a credit product. Klarna may then share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Klarna may also refer any debt to a debt collection agency. This agency will collect the debt on behalf of Klarna. Also, if the debt is referred to a debt collection agency Klarna will share this information with credit reference agencies.

I've received a statement, but I've not yet received my goods.

If you have not received your goods please call Tuffa Boots to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

What happens if I cancel or return my order?

As soon as Tuffa Boots has confirmed with Klarna that your cancelation / return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

I have canceled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancelation or your return, the refund will normally be processed within 5 business days.

I have asked for a refund. How will I be refunded?

Refunds will be issued back to the debit or credit card which was originally used at checkout.

What happens to my statement, when I have returned the goods?

Once Tuffa Boots has received the return and Klarna have received our confirmation, Klarna shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

What happens to my statement when I have returned part of my order?

Once Tuffa Boots has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.


Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

Stockists with shops

We are often asked whether customers can go somewhere to try on our boots and shoes.

We do have our own showroom on site in Norfolk and visitors can call bewtween 9.30 - 4.00 Monday to Friday.

Here is a list of some Tuffa stockists who have bricks and mortar shops with a decent Tuffa range for trying before you buy.

If your own local tack/saddlery shop doesn't stock Tuffa Boots, chaps and gloves, ask them to!

Beaver Horse Shop, Windmill Farm, Beckwithshaw, Harrogate. HG3 1QL

Calcutt & Sons, Bullington Lane, Sutton Scotney. SO21 3RA

Cash Heath Country Store, Forsbrook, Stoke On Trent. ST11 9DE

Castlemorris Equestrian & Pets, Pencnwc Farm, Castlemorris. SA62 5ER

Celtic Equine, Monksgrange Stud, Rathnure. Enniscorthy. Ireland

Chandlers Farm Equipment, Main Road, Belton. Grantham. NG32 2LX, branches also in Barnack, Holbeach, Horncastle & Spilsby.

College Farm Saddlery, 45 Fitzalan Road, Finchley. N3 3PG

Crossways Service Centre, 99 Yarmouth Road, Ellingham. NR35 2PH

Derby Arms Equestrian, 105 - 125 Ashurst Road, Tadworth. KT20 5PX

Eccelshall Saddlery, The Mill, Stone Road, Eccleshall. ST21 6DJ

E J Wicks, 1 Newbury Street, Lambourn. RG17 8PB

Eileen Douglas Tack Shop, Woods Farm, Easthampstead Road, Wokingham. RG40 3AE

Elms Equestrian, Bough Beech Road, Four Elms. TN8 6NE

Fen Farm Supplies, Mepal Road, Witcham. CB6 2LD

Gatleys, Sandgate Fram Barns, Farm Lane, Storrington. RH20 4AH

GJL Animal Feeds, Clipbush Business Park, Fakenham. NR21 8SX

W & T Gibson, Kingsley Mill, Mill Lane, Frodsham. WA6 8JA

Gibsons Saddlers, Queensberry Road, Newmarket. CB8 9AX

GJL Animal Feeds, Clipbush Business Park, Hawthorne Way, Fakenham. NR21 8SX

Gravenhurst Saddlery, Ion Farm, Lower Gravenhurst. MK45 4HH

GPS Saddlery, West Loudin Equestrian Centre, Galston. KA4 8PB

Hansard Pet Centre, Romsey Road, Awbridge. SO51 0HG

Harley Equestrian, Dairy Farm, Eydon Road, Woodford Halse. NN11 3RG

Highland Industrial Supplies, 36 Seafield Road, Longman Ind. Est, Inverness. IV1 1SG

Hintons Country & Garden, 17 Broad Street, Leominster. HR6 8DB

Horseworld, Willow Beds Farm, Lemesley. NE11 0EW, & Northern Ireland; 147 Abbey Road, Millisle. BT22 2DQ

Ifield Park Equestrian, Bonnetts Lane, Ifield. RH11 0NY

Ingatestone Saddlery, Main Road, Margaretting. CM4 0ES

Jobson's of Alnwick, Tower Showrooms, Alnwick. NE66 1SX

Kings of Suffolk, Grange Barn, Grundisburgh Road, Woodbridge. IP13 6HN

Lloyds Lawn & Leisure, Kingstown Broadway, Carlisle. CA3 0EF

Mangan & Webb Saddlery, Digbeth Street, Stow On The Wold. GL54 1BN

McCash's Country Store, 1 Feus Road, Perth. PH1 2AS

WM Mcivor & Son, Standard Way Industrial Estate, Darlington Road, Northallerton. DL6 2XA

Mill Wheel Tack Shop, Moss End Garden Centre, Warfield. RG42 6EJ

MJR Equine Supplies, 4 Old Mill, Kirkintiloch. G66 1SS

Murphy's Saddlery & Tack Shop, Hewish Pool Farm, Weston Super Mere. BS24 6SG

Nash's Supplies, 4A, B & C Cotton Road, Bangor. BT19 7QG

Naylors Equestrian, Bridge Point, 100 Mellor Street, Rochdale. OL11 5AT

Online For Equine, Unit 24 Home Fram, Main Road, Milford. ST17 0UW

Orchard Equestrian, Westlink Business Park, Unit 18 Ennis Road, Limerick. Ireland

Penfolds, Old Talbot House, Cuckfield, Haywards Heath. RH17 5JX

Porto Polo, Unit 1 Carewell Barn, St Piers Lane, Lingfield. RH7 6PN

Rimell Saddlery, 1 West Street, Shipton On Stour. CV36 4AL

Risley Saddlery, Derby Road, Risley. DE72 3SY

Riseholme Feeds, The Oaklands, Costock Road, Wysall. NG12 5QT

Rokers Tack Shop, Fairlands Farm, Holly Lane, Worplesdon. GU3 3PB

Romsey Saddlery, 6 Latimer Street, Romsey. SO51 8DG

R & R Country (Melton), Waltham Road, Thorpe Arnold. LE14 4SD

R & R Country (Selby), Hull Road, Hemingbrough. YO8 6QJ

Sales of Sandon, The Mill, Sandon. SG9 0QQ

Sight & Sound, 4 Thoroughfare, Harleston. IP20 9AX

Sportack Montrose, Damside of Glenskennd, Montrose. DD10 9LG

Stockley Trading, Riverside Industrial Estate, Bridge Road, Little Hampton BN17 5DF

Supapet The Horse Shop, Millfield Barn, Lower Kingswood. KT20 6RT

Sussex Saddlery, Cowfold Road, West Grinstead. RH13 8LP

The Saddlery Shop (online), Trelawne Farm, Chilla, Beaworthy. EX21 5XE

Totally Tack, 47 Vaills Way, Frome. BA11 3BA

Treehouse Sporting Colours, The Treehouse, New Farm, Rushock. WR9 0NR

T R I Equestrian, The Curragh, County Kildare. Ireland

Vale Gardens, Birmingham Road, Badsey. WR11 7TW

Wadswick Country Store, Manor Farm, Corsham. SN13 8JB

Wharfedale Equestrian, 1C Oxford Street, Guisley. LS20 9AX

White Rose Saddlery, Heathcote House, 64 Welham Road, Norton. Malton YO17 9DS

Windmill Feeds & Saddlery, Unit 1, Bell Lane, Uckfield. TN22 1QL

Woodland Enterprises, Unit 4 Northfield Farm Industrial Estate, Wantage Road, Great Shefford. RG17 7DQ

Wroxham Saddlery, Church Road, Hoveton. NR12 8UG

When will my order be delivered?

For full breakdown please visit our Delivery page- You can also use the chat to find out where your parcel is!

UK mainland normally within a couple of days if the item is in stock (excludes weekends).

Are all of your products in stock?

We hold a vast amount of stock in our warehouses and aim to keep our levels online accurate, we will always get in touch if your item is out of stock and let you know the estimated time the item will be available should the item be on back order.


All products sold on www.tuffaboots.com are under 6 months manufacturer's warranty.

This, however, is not a guarantee against normal wear and tear. Nor does it apply to product that has been damaged by misuse.

In the unlikely event of a problem with your Tuffa product, you must return them in the first instance to where they were originally purchased for an initial assessment.

The next step will be for the Tuffa Customer Service Team to determine whether these goods should be repaired or replaced..

If returning an item under warranty for inspection, we insist the item must be in a clean state, items sent dirty can not be assessed.

It is very important to include your receipt, where/when purchased and specific details about where our product has not met with your expectations.

Don’t forget to include your full contact details including postal address and a daytime contact telephone number.


Please complete the Return's Form and return the items to us. Returning of goods bought from our website are at the buyer's expense.

We can arrange for collection by our courier, costs can be confirmed by telephone, alternatively you may use Royal Mail, please ensure you return the item in the original packaging.

What types of payment do you accept?

You have several ways to pay for your orders.

  • Credit cards: Visa, MasterCard
  • Debit cards
  • PayPal
  • Klarna


We can exchange your boots for an alternative size, simply contact the office and ask for our Exchange Service, the fee is £8.

Can I buy a gift for someone else?

You can send someone a gift by entering their name and address as the Delivery Address and your own as the Billing Address.

Alternatively we do gift vouchers!