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: Sveavagen 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'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.

18.9% 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 Autocentres Limited is authorised and regulated by the Financial Conduct Authority for the purposes of credit broking. Registered office: lcknield Street Drive, Washford West, Redditch, Worcestershire, B98 ODE United Kingdom. Company number: 04050548.

To understand how Klarna manages customer data, please click here

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 Bank AB is a Swedish bank that provides online financial services. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

Klarna is regulated by the Swedish Financial Supervisory Authority (SFSA), since Klarna has its banking license in Sweden. However, Klarna is also required to comply with a number of relevant Financial Conduct Authority (“FCA”) rules in the UK under the FCA’s temporary permissions regime.

Your eligibility for finance from Klarna will be subject to your individual circumstances. However, you will need to:

  • be 18 years or older;
  • have a valid mobile telephone number and email address;
  • have a UK home address; and
  • have a credit/debit card that will be valid for 60 days after placing your order.
If you choose the 3 month interest free option, Klarna will only conduct a soft-search assessment that will not affect your credit rating. However, Klarna will conduct a full credit check if you apply for 12, 24, 36 or 48 months finance.

In Halfords retail, Klarna offers 3 and 12 months interest free options, as well as 24, 36 and 48 months where interest is charged.

In Halfords Autocentres, Klarna offers 3 months interest free, in addition to 12 and 24 months where interest is charged. We would recommend looking at the examples above to see a full explanation of the interest charged and total cost of credit.

Spreading the cost over 3 months allows you to divide the cost of your purchase over 3 equal payments with no interest. These payments are automatically collected from the debit or credit card you enter at checkout whether instore or online. The first instalment will be collected when your order is confirmed, and the second and third instalments are then scheduled for 30 and 60 days later. It is important when you apply that your credit/debit card will be valid for at least 60 days thereafter to avoid any issues with payment.

If Klarna is unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this second payment attempt fails, Klarna will issue you with a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.

Once your Klarna account is set up, you will receive emailed monthly statements. You are responsible for making the agreed repayments on time and in full. You can choose to make a manual payment each month or set up automated direct debit payments via your online Klarna account or the Klarna app.

Go to www.klarna.com and log in to access your Klarna account, or if you have any questions regarding your account, contact Klarna customer support team on 0333 321 6080.

If you miss a payment or don’t pay in full, Klarna will charge £12 each missed payment. If you have chosen the 12 months interest free option and miss more than two payments, you will lose your offer of 0% interest, and the remaining balance will incur interest at 18.9% APR (variable).

Yes. In order to validate your identity, Klarna reserves the right to ask you a number of questions about your personal circumstances. These questions are nothing to worry about -they are simply an added level of security to protect you from identity theft. You can also be assured that Halfords will not have access to this information.

Once Klarna receives confirmation from Halfords that your purchased goods have been dispatched/received, Klarna will start your Credit Agreement and send you a welcome letter, including your payment schedule by email. The email will be sent to the address you provide when you applied for credit.

If you haven’t received an email within 10 days of receiving your goods, please check your ‘junk’ email box. If you still cannot find the documents, please contact Klarna’s Customer Service team on 0333 321 6080 so that they can check they have the right contact details for you.

Once we have processed your cancellation or return, Klarna will process a refund in five to seven working days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made.
If your goods have not been received, contact Halfords to check your order and delivery status. You can also contact Klarna’s Customer Service team on 0333 321 6080 so that they can postpone the due date of your payment
If you have returned your items and not received your refund please contact Klarna’s Customer Service team on 0333 321 6080 who will be able to help.

Currently, you can only take finance on a basket made up of Halfords retail store purchases or Halfords Autocentres purchases, not a combination of both. The finance option won’t appear if you have this mixed basket.

In Halfords Autocentres, we can introduce you to an alternative finance provider called Payment Assist who offer a 4 months interest free option, subject to status.

Payment Assist Ltd is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services Register under firm registration number 622544.

In the first instance, we recommend that you contact the finance provider directly as they provide the finance for your purchase and follow their complaints procedure:
If you find yourself in this position, we recommend speaking to your finance provider as soon as possible so they can help you and provide further advice. Contact details are below.
  • Klarna's customer service team is available 24/7 at www.klarna.com/uk/customer-service;
  • Payment Assist can be contacted on 01664 503151 or by using the contact form at https://www.payment-assist.co.uk/contact-us. Be advised that Payment Assist operates a fair collection policy and will always endeavour to give you adequate time to resolve any financial difficulties you experience in repaying the loan.

The Money Advice Service provides free and unbiased information and advice about financial services. They can be contacted by phone on 0800 138 7777 or email - enquiries@moneyadviceservice.org.uk or alternatively, via their website: www.moneyadviceservice.org.uk/en

If you live in Scotland or Northern Ireland, please consider https://www.moneyadvicescotland.org.uk or www.adviceni.net/advice/debt respectively.