Klarna is unique and offers Pay over time based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay over time by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay over time before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.