Spread the Cost
Klarna Finance
Where are you shopping?
Store
Halfords Retail Store
Spread the cost
Store
Halfords Autocentre Garage
Spread the cost
How It Works

Got your eye on a new road bike or shiny socket set? Maybe you’ve had to have unexpected repairs on your vehicle. Well, if you don’t fancy spending all your cash in one go, we’ve got several finance options to help you spread the cost, covering spends over £99*. (from £49 on kids bikes and scooters in-store only)

Halfords Limited and Halfords Autocentres Limited are authorised and regulated by the Financial Conduct Authority ("FCA") for the purposes of credit broking.

Finance Options Store Available
In-store
One Icon Available Online
(Click & Collect)
One Icon Available Online
(Home Delivery)
One Icon Available &
In-garage
One Icon Available
Online

Spread the Cost: 3 months on kids bikes and scooters from 49

Representative APR 0% (fixed)
Tick Icon Order online
collect and apply in-store
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Spread the Cost: 3 months

Representative APR 0% (fixed)
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Spread the Cost: 12 months

Interest Free Credit**

Represemtative APR 0%(fixed)

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Spread the Cost:12 months

Representative APR 18.9% (fixed)
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Spread the Cost: 24 months

Representative APR 18.9% (fixed)
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Spread the Cost: 36, 48 months

Representative APR 18.9% (fixed)
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**If you miss or do not make a full monthly payment, the interest free arrangement will cease and you 'll be required to
pay interest on all future payments at 18.9% APR (representative variable)

Halfords Retail Store Finance Options
Duration 3
Months*
12
Months†
24
Months
36
Months
48
Months
Representative APR%
(fixed)
0%
Representative APR %
(fixed)
0%†
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
£300
spend
£100
Per month
£25
Per month
£14.90
Per month
£10.77
Per month
£8.73
Per month
Total amount payable £300 £300 £357.60 £387.73 £419.04
£500
spend
£166.67
Per month
£41.67
Per month
£24.83
Per month
£17.94
Per month
£14.55
Per month
Total amount payable £500 £500 £595.92 £645.84 £698.40
£1000
spend
£333.34
Per month
£83.34
Per month
£49.66
Per month
£35.88
Per month
£29.09
Per month
Total amount payable £1000 £1000 £1,191.84 £1,291.68 £1,396.32
The Small Print

Credit is provided by Klarna Bank AB which is authorised and regulated by the Swedish Financial Supervisory Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK.

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

* For 3 months option, a third is payable on the day of purchase. The balance is paid in two equal monthly instalments 30 and 60 days later respectively. Open to anyone with a UK registered debit or credit card. No hard credit check takes place on this option.

† If you miss or do not make a full payment, the interest free arrangement will cease and you’ll be required to pay interest on all future repayments at 18.9% APR (representative, variable).

To access Klarna finance, you’ll need to have a web enabled device with you at point of purchase. Alternatively, a store colleague can email you the link to complete the process at home.

0% representative APR (fixed). Assumed credit limit £1200.

Credit/Loans are subject to status. Eligibility, terms and conditions apply. Credit/Loans available to permanent UK residents aged 18 and over.

Halfords Limited is authorised and regulated by the Financial Conduct Authority for the purposes of credit broking Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE United Kingdom. Company number: 00103161.

To understand how Klarna manages customer data, please click here

store delivery iconClick & Collect

Step 1

Choose your Halfords
products online.

Step 2

Choose 'click and collect'
and select your flexible finance.

Step 3

Complete your finance
application online.

Step 4

Take your confirmation email
to your selected Halfords Retail store.

Step 5

Pick up your
goods in store!
click collect iconHome/Work Delivery

Step 1

Choose your Halfords
products and go to the checkout.

Step 2

Select the Flexible
Finance option.

Step 3

Complete your finance
application online.

Step 4

Once your application is
approved your goods will
be shipped to you!
home delivery iconIn-store

Step 1

Ask a Halfords team member
about flexible finance.

Step 2

Choose your Halfords
products.

Step 3

Receive a link from Klarna on your
phone. Complete your finance
application (average 2 mins)*
*Requires an internet connection

Step 4

Once your application has been
approved, this will be
completed at the till point and you 're done!
Please Note

If at any stage, your finance application is declined, remember that you can still pay using card or cash. All applications are assessed individually by Klarna and decisions are based on individual circumstances. The credit reference agency used will be detailed on the decline email, should you want more information on your individual credit circumstances.

Halfords Autocentre Garage Finance Options
Duration (fixed) 3
Months*
12
Months
24
Months
Representative APR% (fixed) 0% Representative APR % 18.9% Representative APR % 18.9% Representative APR %
£300
Bill
£100
Per month
£27.43
Per month
£14.90
Per month
Total amount payable £300 £329.16 £357.60
£600
Bill
£200
Per month
£54.85
Per month
£29.80
Per month
Total amount payable £600 £658.20 £715.20

Credit is provided by Klarna Bank AB which is authorised and regulated by the Swedish Financial Supervisory Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK.

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

* For 3 months option, a third is payable on the day of purchase. The balance is paid in two equal monthly instalments 30 and 60 days later respectively. Open to anyone with a UK registered debit or credit card. No hard credit check takes place on this option. This option is not available on bills over £1,000

To access Klarna finance you need to have a web enabled device with you at point of purchase.

18.9% representative APR (fixed). Assumed credit limit £1200. Subject to credit assessment.

Credit/Loans are subject to status. Eligibility, terms and conditions apply. Credit/Loans available to permanent UK residents aged 18 and over. Halfords Autocentres Limited acts as credit broker/intermediary and not as a lender. Halfords Autocentres Limited is authorised and regulated by the Financial Conduct Authority. Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE United Kingdom. Company number: 04050548.

If at any stage, your finance application is declined, remember that you can still pay using card or cash. All applications are assessed individually by Klarna and decisions are based on individual circumstances. The credit reference agency used will be detailed on the decline email, should you want more information on your individual credit circumstances.

click collect iconFinance Calculator
Halfords Store
Halfords Autocentre Garage
Frequently Asked Questions
What is Klarna? Dropdown Arrow
How many monthly repayments are there? Dropdown Arrow
What is the 3-month product and how is it different to the 12month + product? Dropdown Arrow
Do I need to input my bank details in at checkout? Dropdown Arrow
Is there a credit check involved and will deal affect my credit score? Dropdown Arrow
Is there a lot of paperwork to fill out? Dropdown Arrow
Will Halfords provide the finance? 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
Do I need to be 18? Dropdown Arrow
Can I pay off the remaining credit early? Dropdown Arrow
What happens if I cancel or return my order? 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 flexible finance available on all products? Dropdown Arrow
Can I have a mixed basket of Halfords Retail Store and Halfords Autocentres goods on finance? Dropdown Arrow
Why are the Finance products slightly different between Halfords Retail Stores and Halfords Autocentres? Dropdown Arrow
Can I pay part cash/card and part finance, and can I use my vouchers towards the total amount? Dropdown Arrow