We Have Partnered With Klarna, To You More Flexibility In Your Purchase Experience.
If you spend £1000 or more, you can select the best finance package for your needs, whether it’s an interest-free personal loan with 0% interest for 6 months or finance available over 12 months. The process only takes a few minutes, and decisions are usually made shortly after the form is submitted. Look for 0% APR Interest-Free Finance on a variety of products.
FAQS
Thinking of choosing finance?
Finance is a great way to spread the cost of your purchase. To make it easy, we’ve teamed up with Klarna, whose technology lets you apply for and complete a loan application quickly, easily, and informatively. Simply add the items you love to your basket. Once you are at the checkout, select the finance option that suits you and choose Klarna. The quick application form is simple and should take no more than a couple of minutes to complete, and you will receive a decision instantly. Easy!
Am I eligible for finance?
You will only be considered for finance if you:
1. Are at least 18 years old,
2. You’re in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private/company pension or in receipt of disability allowance),
3. Are a permanent UK resident and have lived in the UK for at least 3 years,
4. Have a UK bank account capable of accepting Direct Debits,
5. Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies and,
6. Provide an email address so your documentation can be emailed to you.
What payment plan options do you offer?
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 and 12 months. The value of the loan needs to be over £1000 and you can choose a deposit of up to 50% of the value of the goods.
How do I pay for my order with finance?
Simply add the products to your basket and select ‘Pay with Klarna’ at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Can I request delivery to an address other than my home address?
We regret that we can only deliver goods to your home address in order to protect against fraudulent applications.
Understanding the finance decision
Your application will be assessed based on eligibility, credit history, and affordability, with Klarna advising you of the outcome in just a few seconds. It’s important to know that when applying for financing, a hard credit check is made, which will be recorded on your credit file. If approved for finance, Klarna will let you know who your lender is and provide you with their full contact details and information. You then just need to digitally sign your credit agreement, pay your deposit, and wait for your order to arrive. In a few cases, your application may be referred to a lender for manual assessment, and you’ll be notified of the credit decision. If you’re not approved for financing, it could be for a variety of reasons, and the lender will be able to give you more information.
Repaying the loan
Your first direct debit payment will be taken approximately 14 days after you receive your purchase. This will show up on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
When will you deliver my item?
Once your goods are ready for delivery, our team will contact you to arrange a convenient day for delivery. You’ll be kept updated on the status of your delivery.
Cancelling the loan
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Klarna or your lender. A payment plan does not affect our standard refund and return policies. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
