How it works

Got your eye on a new road bike or shiny socket set but don't fancy spending all your cash in one go? Luckily, we've now got several finance options to help you spread the cost, covering spends over £99.
*You can reserve items for Click and Collect but your application for Finance needs to be completed in-store.

Finance Options

One Icon

Available
In-Store

How to apply
One Icon

Available Online
Click & Collect*

How to apply
One Icon

Available Online
Home Delivery

How to apply

Pay Later

Representative APR 0% (fixed)

Number of monthly payments: 1
(up to 30 days later)
No. of payments: 1
(up to 30 days later)
Tick Icon
Tick Icon
Circle Icon

Slice-It-In-3

Representative APR 0% (fixed)

Number of monthly payments: 3 No. of payments: 3
Tick Icon
Tick Icon
Circle Icon

Slice It Monthly**

Promotional APR 0%

Number of monthly payments: 12 No. of payments: 12
Tick Icon
Tick Icon
Circle Icon

Spend over £399

Representative APR 0% (fixed)

Number of monthly payments: 12 No. of payments : 12
Tick Icon Tick Icon Tick Icon

Spend over £399

Representative APR 19.9% (fixed)

Number of monthly payments: 24, 36 or 48 months No. of payments: 24, 36 or 48 months
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**Representative example if you miss a payment 18.9%.

Spending over £99 and up to £398.99?

Pound Icon

Finance Option

One Icon

Pay Later

Three Icon

Slice-it-in 3

12 Icon

Slice it monthly

Annual Rate of Interest (fixed)

0% 0% 0%

Representative APR% (fixed)

0% 0% 0%**

Deposit Required?

No 1/3 payable on purchase No

Number of monthly payments

1 3 12
£99 Total amount repayable £99 £99 £33 £99 £8.25 £99

Cost of Loan

£0 £0 £0

For example...

You could spread the cost of a men's mountain bike like this...

Carrera Vengeance*for illustrative purpose £250 £83.33 £20.83

Total amount repayable

£250 £250 £250

Cost of Loan

£0 £0 £0

Available on total spend over £399

Duration (fixed)

12

months

24

months

36

months

48

months
Number of monthly payments 12 24 36 48
Representative APR% (fixed) Annual Rate Of Interest 0% 0% 19.90% 10.07% 19.90% 10.22% 19.90% 10.3%
£399 Total Amount Repayable Cost Of Loan £33.25 £399

£0

£19.97 £479.28

£80.28

£14.48 £521.28

£122.28

£11.78 £565.44

£166.44

£800 Total Amount Repayable Cost Of Loan £66.67 £800.04

£0

£40.05 £961.20

£161.20

£29.03 £1,045.08

£245.08

£23.62 £1,133.76

£333.76

£1200 Total Amount Repayable Cost Of Loan £100 £1,200

£0

£60.07 £1,441.68

£241.68

£43.55 £1,567.80

£367.80

£36.45 £1,749.64

£549.64

£2000 Total Amount Repayable Cost Of Loan £166.67 £2,000.04

£0

£100.12 £2,402.88

£402.88

£72.59 £2,613.24

£613.24

£59.05 £2,834.40

£834.40

What is Flexible Finance?

We've all been there; you've got your eye on that sleek new road bike or shiny socket set, but your bank balance has other ideas. We have a number of simple payment options to help you spread the cost of your purchase, available on any order when you spend over £99 with us.

How To Apply

Home delivery icon In store (purchases of £99 and over)

Step 1

Choose your products and take them to the till.

Step 2

Ask the Halfords team member about Interest Free Credit.

Step 3

Answer some basic questions on your smartphone.

Step 4

Once your application has been approved, that's it!.

Home delivery icon Click and collect (purchases between £99 and £398.99)

Step 1

Choose your Halfords products and go to the checkout.

Step 2

Choose 'click and collect' and complete your purchase.

Step 3

Head to your local Halfords store and ask about Interest Free Credit.

Step 4

Answer some basic questions on your smartphone.

Step 5

Once your application has been approved, you're done!.

Home delivery icon Online Delivery (purchases over £399)

Step 1

Choose your Halfords products and go to the checkout.

Step 2

Select the Interest Free Credit option and follow the instructions.

Step 3

Once your application has been approved, you're done!.

Frequently Asked Questions

Here are some of the most commonly asked questions we get asked about Interest Free Credit offers.

How do I get Interest Free Credit for my purchase? Dropdown Arrow
How many monthly repayments are there? Dropdown Arrow
Is there a credit check involved and will a Interest Free Credit deal affect my credit score? Dropdown Arrow
Can I get Interest Free Credit for purchases under £99? Dropdown Arrow
Is there a lot of paperwork to fill out? Dropdown Arrow
Will Halfords be doing the lending? Dropdown Arrow
My application came back as 'referred'. What does this mean? Dropdown Arrow
What happens if my application is declined? Dropdown Arrow
Why can't I get Interest Free Credit for purchases under £389.99 online? Dropdown Arrow
I have a low credit score or a history of defaulting on monthly payments / county court judgements. Can I still apply? Dropdown Arrow
Can I pay off the remaining credit early without any fees? Dropdown Arrow
What happens if I stop my direct debit? Dropdown Arrow
I don't have a UK bank account / UK address. Can I still apply? Dropdown Arrow
Is Interest Free Credit available on all products? Dropdown Arrow
Can I pay part cash/card and part finance and can I use my vouchers towards the total amount? Dropdown Arrow