You must have made at least 18 full payments on your 24-month payment plan or credit contract with Klarna for your Xbox All Access Bundle. All lenders, whether Klarna or another provider, must tell you what their representative RPO is before signing a credit agreement under the Consumer Credit Act 1974. We got an interest rate of 9.9% for Slow Finance. This means that if you are approved, you will receive a rate of 9.9% on your Klarna agreement. In some cases, your manual assessment request may be referred to a lender and you will be notified of the credit decision by email within 24 hours. If you are not approved for financing, this could be for a wide variety of reasons and the lender may be able to give them more information. Matter Retail Ltd acts as a credit broker and not as a lender. Once approved, Klarna will set the terms of your agreement. All you have to do is sign your credit contract digitally, pay your deposit and wait for your order to arrive. Matter Retail Ltd acts as a credit intermediary and offers credit products provided exclusively by Klarna Bank AB (publ).