Finance at Halfords

Spread The Cost

Spread the cost

Halfords
flexible finance

from £99*

Powered by Halfords Finance powered by klarna
Where are you shopping?
Store

Halfords Retail Store


Spread the cost
Auto

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*.

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

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

Interest Free Credit***
Representative 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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*For Click and Collect purchases, you must bring either your driving licence or passport to store. The details on your ID must match those on your order. Please note that you will not be able to collect your purchase without this verification.
*In some circumstances, a deposit may be required: this will be advised at the time of application.
***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. For purchases online, a deposit may be required: this will be advised at time of application. 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

Click & 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 letter and driving licence/passport to your selected Halfords Retail store.

Step 5

Pick up your goods in store!
Home/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!
In-store

Step 1

Ask a Halfords team member about flexible finance.

Step 2

Ask a Halfords team member about flexible finance.

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 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
spend
£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.

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.

Click & Collect

Step 1

Choose your Halfords Autocentres products online.

Step 2

Choose flexible finance.

Step 3

Complete your finance application online.

Step 4

Take your confirmation email into your chosen Halfords Autocentre.

Step 5

All work gets completed on your vehicle!
Home/Work Delivery

Step 1

Ask a Halfords team member about Flexible Finance.

Step 2

Agree the cost for work required.

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!
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.
Frequently Asked Questions
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
You can choose between 3, 12, 24, 36 and 48 months for all Halfords Retail Store products. You can choose 3, 12 and 24 months for all Halfords Autocentres products/services.
Spread the Cost in 3 (which is an unregulated product) will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you provided at checkout. Your first instalment will be collected when your order is confirmed by Halfords and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. For the 12month+ products, this is set up as a direct debit through your bank account.
Yes, you will be prompted during the Klarna finance application to input your bank details.
You'll need to pass a credit check that will be carried out by Klarna to qualify for the 12, 24, 36 or 48 monthly products (regulated).
None at all! In stores/centres, you'll just need to give us your mobile phone number or email address, which will be shared with Klarna. You'll then receive a link via text message or email direct from Klarna to complete your finance application on your web enabled device. They'll then return their decision. The whole process takes on average around two minutes. Online, you can just complete the finance application through our website.
No, Halfords is the credit broker and Klarna is the credit provider/lender.
Yes, you'll still be able to apply for flexible finance. However, the decision to lend may be returned as a decline as outlined above.
Yes, it is only available to people aged 18 or over.
Yes, you can pay this off early, but the amount of interest payable will depend on when you paid this off.
As soon as we have accepted your cancellation/return, then Klarna will make any necessary adjustments to your balance and provide further help if needed.
You could be liable for late repayment fees or your information may be passed onto a debt management agency. Your credit score will also be affected negatively.
You'll need both a UK address and a UK bank account registered at your address to be eligible.
Yes, as long as the total is over £99.
Currently you can only take finance for a basket made of Halfords Retail Store purchases or Halfords Autocentres purchases not a combination of them both. The finance option won’t appear if you have this mixed basket.
We have slightly different products with Klarna for Halfords Retail Stores and Halfords Autocentres. We believe that these products best suit our customers within the two sections of our business.
Yes, you can pay part cash/card and then finance the rest of the basket instore. You can use any vouchers at the till, the final basket amount once the vouchers have been deducted will be what you finance.