<!--finance-available-->
<style type="text/css">.anchor {
padding-top: 120px !important;
margin-top: -120px !important;
}
/*#finance li:hover {
background-color: #FF9718;
color: #fff;
}*/
#finance #how .image-header th {
position: relative;
padding-top: 40px;
}
#finance #how table tr.image-header th img {
position: absolute;
top: -25px;
left: 50%;
transform: translateX(-50%);
-webkit-transform: translateX(-50%);
-moz-transform: translateX(-50%);
-o-transform: translateX(-50%);
width: 50px;
}
#finance #how img {
width: 40px;
}
#finance #how .table td,
#store .table th {
vertical-align: middle;
}
#finance #store .table td,
#store .table th {
vertical-align: middle;
}
#finance #auto .table td,
#store .table th {
vertical-align: middle;
}
#finance .border-3 {
border-top: solid 3px;
border-bottom: solid 3px;
}
#finance .border-2 {
border: solid 2px;
}
#finance .th-border {
border-top: solid 2px;
border-bottom: solid 2px;
}
#finance .small-text {
font-size: 12px;
line-height: 16px;
}
.b-page__heading {
font-size: 54px;
margin-bottom: 0;
line-height: 60px;
}
#finance a {
text-decoration: none;
white-space: nowrap;
}
.content {
padding: 0 20px;
}
.back-to-order-and-bookings-button {
padding: 20px 0 0 10px;
}
.my-account-accordion {
padding: 30px 20px;
}
#first-button {
border: 0;
}
.sub-header {
padding: 20px 20px 0 20px;
}
.b-accordion__content.block-tab-description ul li, .b-accordion__content.block-tab-description ul.b-list li {
list-style-position: outside;
}
</style>
<div id="finance">
<div class="h-container">
<div>
<div class="row ">
<div class="col-12">
<h1 class="b-page__heading b-heading__primary-2 b-font__tertiary page_header">Finance at Halfords</h1>
<hr style="background-color: #e6e6e6 !important; border-color: #e6e6e6 !important; color:#e6e6e6 !important; border-top: 1px;" /></div>
</div>
</div>
<br />
<!--BANNER-->
<style>
.klaranaBG { background:center center repeat #191919; }
.logoKlarna { margin-right:0px; }
@media (max-width:768px) { .logoKlarna { margin-left:5px!important; } }
</style>
<div class="col-lg-12 col-md-12 col-sm-12 h-100">
<div class="row text-center h-position-relative h-100 d-flex align-items-start justify-content-center klaranaBG lazy lazy-bg px-30" data-bg="url('https://cdn.media.amplience.net/i/washford/Haluk-klarna-1600x230?ecrop=1290,0,0,50')">
<div class="col-sm-12 col-md-6 col-lg-5">
<img src="https://cdn.media.amplience.net/i/washford/Haluk-klarna-pay-later-lock-up" title="Pay Later with Klarna" class="mx-0 mb-20">
</div>
<div class="col-sm-12 col-md-6 col-lg-7">
<div class="row d-flex align-items-center justify-content-end">
<div class="col-12 text-left w-100 pt-sm-0 pt-md-0 pt-lg-20 order-sm-2 order-md-2 order-lg-1 order-xl-1">
<img src="https://cdn.media.amplience.net/i/washford/Haluk-klarna-logo-white?w=50%" title="Klarna" class="p-0 mb-20 logoKlarna"/>
</div>
<div class="col-12 text-left w-100 pb-20 order-sm-1 order-md-1 order-lg-2 order-xl-2">
<div class="d-lg-flex align-items-center justify-content-start mb-10">
<span class="text-white font-weight-bold d-block fs-xxlarge fs-md-xlarge fs-lg-custom-1 fs-xl-custom-1 text-uppercase mb-10 mb-lg-0" >Flexible finance to help you spread the cost</span>
</div>
</div>
<div class="col-sm-12 col-md-12 col-lg-7 d-flex align-items-end justify-content-end text-left text-md-right pb-20 order-sm-3 order-md-3 order-lg-3 order-xl-3">
<div class="text-white fs-small mb-10">*Finance available subject to credit assessment, terms and conditions apply, you must be aged 18+ and a permanent UK resident, please spend responsibly.</div>
</div>
</div>
</div>
<a href="https://www.halfords.com/help-and-advice/orders-and-bookings/payment-and-savings/finance/finance.html" class="stretched-link"></a>
</div>
</div>
<!--BANNER-->
<!-- <div class="row flex-column col-sm-12 mb-30 mx-auto"> --><!--CONTENT ASSET - FINANCE - Start--><!-- <div class="bg-primary b-font__secondary text-center pt-10 d-flex flex-column h-100"
style="/* min-height:400px */">
<div class="row my-auto">
<div class="col-sm-12 col-md-6 mb-sm-10 mb-md-0">
<div class="w-100 h-100 text-primary ml-sm-0 ml-md-10">
<div
class="bg-dark h-100 d-flex flex-column align-items-center justify-content-center py-sm-15 py-md-0 mx-sm-10 mx-md-0">
<h2 class="fs-sm-custom-3 fs-md-custom-3 fs-lg-custom-3 text-white text-uppercase">
<span>Spread</span> <span
class="mlsm-0 ml-md-n15 mt-n10 font-italic text-lowercase text-primary d-sm-inline d-md-block">the
cost</span>
</h2>
</div>
</div>
</div>
<div class="col-sm-12 col-md-6">
<div class="w-100 h-100 text-primary font-weight-bold">
<div
class="bg-dark h-100 d-flex flex-column align-items-center justify-content-center py-10 mx-sm-10 mx-md-0 mr-md-10">
<h3 class="text-uppercase b-heading__secondary-5">Halfords <br>flexible finance</h3>
<p class="b-font__secondary text-white font-italic font-weight-bold mb-0"
style="font-weight:100;"><span class="fs-custom-1 text-lowercase">from
£99*</span></p>
</div>
</div>
</div>
</div>
<div class="row flex-row py-sm-15 py-md-0">
<div class="col-sm-12 mx-auto mb-sm-0 mb-md-10 mt-md-10">
<span>Powered by <img class="align-bottom mt-n5 d-inline-block"
src="https://i1.adis.ws/i/washford/haluk-klarna?w=4%"
alt="Halfords Finance powered by klarna"></span>
</div>
</div>
<div class="row w-100 mb-20">
<div class="col-sm-12 ml-10">
<span class="text-white fs-small">*Finance available subject to credit assessment, terms and
conditions apply, you must be aged 18 + and a permanent UK resident, please spend
responsibly. <br class="h-hidden__lg-down">Borrowing beyond your means could seriously
affect your financial status, ensure you can afford to make your repayments on time by the
due date.</span>
</div>
</div>
</div> --><!--CONTENT ASSET - FINANCE - END--><!-- </div> --><!--BASED ON -- clp-finance-col-6 - END-->
<div class="row no-gutters">
<div class="col-sm-12">
<ul class="d-flex flex-wrap justify-content-around text-white bg-black-300">
<li><a class="d-block text-white text-decoration-none text-center p-10" href="#how-it-works">How it works</a></li>
<li><a class="d-block text-white text-decoration-none text-center p-10" href="#finance-options">Finance Options </a></li>
<li><a class="d-block text-white text-decoration-none text-center p-10" href="#how-to-apply">How to Apply </a></li>
<!-- <li class="">
<a href="#finance-calculator" class="d-block text-white text-decoration-none text-center p-10">Finance Calculator </a>
</li> -->
<li><a class="d-block text-white text-decoration-none p-10" href="#faqs">FAQ's</a></li>
</ul>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-center fs-xxxlarge font-weight-bold mt-20 mb-30">Where are you shopping?</div>
</div>
</div>
<div class="row mb-30 no-gutters">
<div class="col-lg-6 col-md-6 col-sm-12 text-center bg-black-300 pt-30 pb-30 border-primary border-3">
<div class="text-white"><img alt="Store" src="https://i1.adis.ws/i/washford/store2_1" />
<h4>Halfords Retail Store</h4>
<br />
<a class="b-button__primary text-white" href="#finance-options">Spread the cost</a></div>
</div>
<div class="col-lg-6 col-md-6 col-sm-12 text-center bg-gray-900 pt-30 pb-30 border-black-300 border-3">
<div class="text-white"><img alt="Auto" src="https://i1.adis.ws/i/washford/halfords-autocentre-black" style="margin-bottom:2%;" />
<h4>Halfords Autocentre Garage</h4>
<br />
<a class="b-button__submit" href="#auto-finance">Spread the cost</a></div>
</div>
</div>
<div class="row h-100 no-gutters anchor" id="how-it-works">
<div class="flex-column col-sm-12">
<div class="text-left fs-xxxlarge font-weight-bold mt-20 mb-10">How It Works</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-normal mb-10">
<p>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 £30.</p>
</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12 bg-gray-200">
<div class="text-left font-weight-normal m-10">
<p>Halfords Limited and Halfords Autocentres Limited are authorised and regulated by the Financial Conduct Authority for the purposes of credit broking (Halfords Limited reference 724263, Halfords Autocentres Limited reference 755309)</p>
</div>
</div>
</div>
<div class="row h-100 no-gutters" id="how">
<div class="flex-container m-auto w-100">
<div class="table-responsive">
<table class="table h300 mt-30 mb-10 border">
<colgroup>
<col width="28.4%" />
<col width="14.2%" />
<col width="14.2%" />
<col width="14.2%" />
<col class="bg-gray-300" width="14.2%" />
<col class="bg-gray-300" width="14.2%" />
</colgroup>
<tbody>
<tr class="image-header">
<th class="bg-black-300 text-white fs-large b-font__secondary-regular">Finance Options</th>
<th class="bg-black-300 text-white fs-large b-font__secondary-regular th-border border-primary"><img alt="Store" src="https://i1.adis.ws/i/washford/store2_1" /> Available<br />
In-store</th>
<th class="bg-black-300 text-white fs-large b-font__secondary-regular th-border border-primary"><img alt="One Icon" src="https://i1.adis.ws/i/washford/halfords-click-and-collect-orange" /> Available Online<br />
<span class="fs-small">(Click & Collect)</span></th>
<th class="bg-black-300 text-white fs-large b-font__secondary-regular th-border border-primary"><img alt="One Icon" src="https://i1.adis.ws/i/washford/work-delivery" /> Available Online<br />
<span class="fs-small">(Home Delivery)</span></th>
<th class="bg-gray-900 text-white fs-large b-font__secondary-regular th-border border-black-300"><img alt="One Icon" src="https://i1.adis.ws/i/washford/halfords-autocentre-black-thin" /> Available<br />
In-garage</th>
<th class="bg-gray-900 text-white fs-large b-font__secondary-regular th-border border-black-300"><img alt="One Icon" src="https://i1.adis.ws/i/washford/halfords-click-and-collect-black" /> Available<br />
Online</th>
</tr>
<tr>
<td class="text-center b-font__secondary-regular border-top border-bottom">
<h4 class="text-primary">Spread the Cost: 3 months</h4>
<span class="fs-small ">Pay in 3 0% APR (fixed)</span></td>
<td class="border"><img alt="Tick Icon" class="align-middle" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
</tr>
<tr>
<td class="text-center border-bottom">
<h4 class="text-primary b-font__secondary-regular">Spread the Cost: 12 months</h4>
<span class="fs-small ">Pay in 12 0% APR (fixed)</span></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
</tr>
<tr>
<td class="text-center b-font__secondary-regular border-bottom">
<h4 class="text-primary">Spread the Cost: 12 months</h4>
<span class="fs-small">18.9% APR (fixed) </span></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
</tr>
<tr>
<td class="text-center b-font__secondary-regular border-bottom">
<h4 class="text-primary">Spread the Cost: 24 months</h4>
<span class="fs-small">18.9% APR (fixed) </span></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
</tr>
<tr>
<td class="text-center b-font__secondary-regular">
<h4 class="text-primary">Spread the Cost: 36, 48 months</h4>
<span class="fs-small">18.9% APR (fixed) </span></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Tick Icon" src="https://i1.adis.ws/i/washford/tick_1" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
<td class="border"><img alt="Circle Icon" src="https://i1.adis.ws/i/washford/circle" style="width: 10px" /></td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
<div class="row no-gutters">
<div class="flex-column col-sm-12 bg-gray-200">
<div class="text-left font-weight-normal m-10">
<p class="pb-0">Terms and conditions apply. See the relevant section below.</p>
</div>
</div>
</div>
<div class="row h-100 no-gutters anchor" id="finance-options">
<div class="flex-column col-sm-12">
<div class="text-center fs-xxxlarge font-weight-bold mt-30 mb-10">Halfords Retail Store Finance Options</div>
</div>
</div>
<div class="row no-gutters">
<div class="flex-container m-auto w-100" id="store">
<div class="table-responsive">
<table class="table h300 mb-30 text-center b-font__secondary-regular">
<colgroup><!--16.6%-->
<col width="14.28%" />
<col width="14.28%" />
<col width="14.28%" />
<col width="14.28%" />
<col width="14.28%" />
<col width="14.28%" />
</colgroup>
<tbody>
<tr>
<th class="bg-black-300 text-white fs-large">Duration</th>
<th class="bg-black-300 text-white fs-large">Pay in 3</th>
<th class="bg-black-300 text-white fs-large">12<br />
Months</th>
<th class="bg-black-300 text-white fs-large">24<br />
Months</th>
<th class="bg-black-300 text-white fs-large">36<br />
Months</th>
<th class="bg-black-300 text-white fs-large">48<br />
Months</th>
</tr>
<tr>
<td><span class="fs-small">Interest rate </span></td>
<td style="background-color:#fafafa"><span class="fs-small">0%<br />
APR % (fixed)</span></td>
<td style="background-color:#f8f8f8"><span class="fs-small">18.9%<br />
APR % (fixed)</span></td>
<td style="background-color:#f5f5f5"><span class="fs-small">18.9%<br />
APR % (fixed)</span></td>
<td style="background-color:#ebebeb"><span class="fs-small">18.9%<br />
APR % (fixed)</span></td>
<td style="background-color:#dbdbdb"><span class="fs-small">18.9%<br />
APR % (fixed)</span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-top border-left border-right"><span class="fs-xxlarge">£30</span><br />
<span class="fs-small">Total spend</span></td>
<td class="border-top border-right"><span>£10</span><br />
<span class="fs-small">Per instalment £30</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<td class="border-top border-right"><span>N/A</span></td>
</tr>
<tr>
<td class="border-bottom border-left border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="text-primary">£30 </span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="text-primary">Only available on purchases of £99 or more </span></td>
<td class="border-bottom border-right" style="background-color:#f5f5f5"><span class="text-primary">Only available on purchases of £99 or more </span></td>
<td class="border-bottom border-right" style="background-color:#f0f0f0"><span class="text-primary">Only available on purchases of £399 or more </span></td>
<td class="border-bottom border-right" style="background-color:#ebebeb"><span class="fs-regular text-primary">Only available on purchases of £399 or more </span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-top border-left border-right"><span class="fs-xxlarge">£300</span><br />
<span class="fs-small">Total spend</span></td>
<td class="border-top border-right"><span>£100</span><br />
<span class="fs-small">Per instalment</span></td>
<td class="border-top border-right"><span>£27.42</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£14.90</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<td class="border-top border-right"><span>N/A</span></td>
</tr>
<tr>
<td class="border-left border-bottom border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="fs-regular text-primary">£300</span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="fs-regular text-primary">£329.08</span></td>
<td class="border-bottom border-right " style="background-color:#f5f5f5"><span class="fs-regular text-primary">£357.60</span></td>
<td class="border-bottom border-right border-right" style="background-color:#f0f0f0"><span class="fs-regular text-primary">Only available on purchases of £399 or more.</span></td>
<td class="border-bottom border-right" style="background-color:#ebebeb"><span class="fs-regular text-primary">Only available on purchases of £399 or more.</span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-left border-top border-right"><span class="fs-xxlarge">£500</span><br />
<span class="fs-small">Total spend</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<!--td class="border-top border-right"><span>£166.67</span><br><span class="fs-small">Per month</span></td-->
<td class="border-top border-right"><span>£45.71</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£24.83</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£17.94</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£14.55</span><br />
<span class="fs-small">Per month</span></td>
</tr>
<tr>
<td class="border-bottom border-left border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="text-primary">Only available on purchases of £499 or less.</span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="text-primary">£548.47</span></td>
<td class="border-bottom border-right" style="background-color:#f5f5f5"><span class="text-primary">£595.92</span></td>
<td class="border-bottom border-right" style="background-color:#f0f0f0"><span class="text-primary">£645.84</span></td>
<td class="border-bottom border-right" style="background-color:#ebebeb"><span class="fs-regular text-primary">£698.40</span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-top border-left border-right"><span class="fs-xxlarge">£1,000</span><br />
<span class="fs-small">Total spend</span></td>
<td class="border-top border-right"><span>N/A</span></td>
<td class="border-top border-right"><span>£91.41</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£49.66</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£35.88</span><br />
<span class="fs-small">Per month</span></td>
<td class="border-top border-right"><span>£29.09</span><br />
<span class="fs-small">Per month</span></td>
</tr>
<tr>
<td class="border-bottom border-left border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="fs-regular text-primary">Only available on purchases of £499 or less.</span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="text-primary">£1,096.95</span></td>
<td class="border-bottom border-right" style="background-color:#f5f5f5"><span class="text-primary">£1,191.84</span></td>
<td class="border-bottom border-right" style="background-color:#f0f0f0"><span class="text-primary">£1,291.68</span></td>
<td class="border-bottom border-right" style="background-color:#ebebeb"><span class="text-primary">£1,396.32</span></td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-bold fs-regular mt-10 mb-10">Terms and Conditions</div>
</div>
</div>
<div class="row">
<div class="col-lg-6 col-md-6 col-sm-12 mb-20">
<div>
<p class="fs-regular pb-0 mb-10"><strong>Representative example: 18.9% APR representative based on a loan amount of £300 repayable over 24 months at an interest rate of 18.9% p.a. (Fixed). Monthly repayment of £14.90 and a total amount payable of £357.60. Total charge for credit £57.60. </strong></p>
<p class="fs-regular lh-normal pb-0 mb-10"><strong>Finance available on spends over £30 and subject to credit assessment, terms & conditions apply, you must be aged 18 + and a permanent UK resident, please spend responsibly.</strong></p>
<p class="small-text">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. 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. To understand how Klarna manages customer data, please <a href="https://www.klarna.com/uk/privacy-notice/" target="_blank">click here</a>.</p>
</div>
</div>
<div class="col-lg-6 col-md-6 col-sm-12 mb-20">
<div>
<p class="small-text mt-sm-n30 mt-md-5">Halfords Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 724263) and acts as a credit intermediary and not a lender, offering credit products provided by Klarna Bank AB (publ). Halfords Limited Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE United Kingdom. Company number: 00103161. Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Please note that the following products are not regulated by the FCA: Pay in 3 instalments.</p>
</div>
</div>
</div>
<div class="row h-100 no-gutters anchor" id="how-to-apply">
<div class="d-flex col-sm-12 justify-content-center align-items-center text-center">
<div>
<div class="m-auto float-left border-2 border-primary rounded-circle p-10" style="width:62px; height:62px;">
<div class="icon-multicolor icon-click-and-collect" style="width:40px; height:40px;"> </div>
</div>
<div class="float-left b-heading__secondary-5 ml-10 mt-20 mb-30">Click & Collect</div>
</div>
</div>
</div>
<div class="row mb-30 w-100 text-center justify-content-center align-middle no-gutters">
<div class="col-sm-6 col-md">
<div class="b-font__secondary-regular m-10">
<h4>Step 1</h4>
<span class="fs-small">Add your chosen products to the basket</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f8f8f8">
<div class="b-font__secondary-regular m-10">
<h4>Step 2</h4>
<span class="fs-small">At checkout, enter your billing details</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f5f5f5">
<div class="b-font__secondary-regular m-10">
<h4>Step 3</h4>
<span class="fs-small">Choose ‘Halfords Flexible Finance’ as a payment method</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f0f0f0">
<div class="b-font__secondary-regular m-10">
<h4>Step 4</h4>
<span class="fs-small">Select the duration of the finance agreement. This will also confirm your monthly payments</span></div>
</div>
<div class="col-sm-12 col-md" style="background-color:#ebebeb;">
<div class="b-font__secondary-regular m-10">
<h4>Step 5</h4>
<span class="fs-small">Click ‘Apply Now’. You will then be taken through to Klarna to complete your application</span></div>
</div>
<div class="col-sm-12 col-md" style="background-color:#e6e5e5;">
<div class="b-font__secondary-regular m-10">
<h4>Step 6</h4>
<span class="fs-small">Take your confirmation email and driving licence/passport to your selected Halfords Retail Store</span></div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="d-flex col-sm-12 justify-content-center align-items-center text-center">
<div>
<div class="m-auto float-left border-2 border-primary rounded-circle p-10" style="width:62px; height:62px;">
<div class="icon-multicolor icon-home-delivery" style="width:40px; height:40px;"> </div>
</div>
<div class="float-left b-heading__secondary-5 ml-10 mt-20 mb-30">Home/Work Delivery</div>
</div>
</div>
</div>
<div class="row mb-30 w-100 text-center align-middle no-gutters">
<div class="col-sm-6 col-md">
<div class="b-font__secondary-regular m-10">
<h4>Step 1</h4>
<span class="fs-small">Add your chosen products to the basket</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f8f8f8">
<div class="b-font__secondary-regular m-10">
<h4>Step 2</h4>
<span class="fs-small">At checkout, enter your billing details</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f5f5f5;">
<div class="b-font__secondary-regular m-10">
<h4>Step 3</h4>
<span class="fs-small">Choose ‘Halfords Flexible Finance’ as a payment method</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f0f0f0">
<div class="b-font__secondary-regular m-10">
<h4>Step 4</h4>
<span class="fs-small">Select the duration of the finance agreement. This will also confirm your monthly payments</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#ebebeb">
<div class="b-font__secondary-regular m-10">
<h4>Step 5</h4>
<span class="fs-small">Click ‘Apply Now’. You will then be taken through to Klarna to complete your application</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#e6e5e5">
<div class="b-font__secondary-regular m-10">
<h4>Step 6</h4>
<span class="fs-small">Once your application is approved your goods will be shipped to you!</span></div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="d-flex col-sm-12 justify-content-center align-items-center text-center">
<div>
<div class="m-auto float-left border-2 border-primary rounded-circle p-10" style="width:62px; height:62px;">
<div class="icon-store" style="font-size: 27px; line-height: 38px;"> </div>
</div>
<div class="float-left b-heading__secondary-5 ml-10 mt-20 mb-10">In-store</div>
</div>
</div>
</div>
<div class="row mb-30 w-100 text-center align-middle no-gutters"><!-- <div class="col-sm-6 col-md-3" >
<div class="b-font__secondary-regular m-10" >
<h4>Step 1</h4>
<span class="fs-small">Ask a Halfords team member about flexible finance.</span>
</div>
</div> -->
<div class="col-sm-6 col-md">
<div class="b-font__secondary-regular m-10">
<h4>Step 1</h4>
<span class="fs-small">Take your products to one of our colleagues</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f8f8f8">
<div class="b-font__secondary-regular m-10">
<h4>Step 2</h4>
<span class="fs-small">Let our colleague know that you would like to spread the cost with flexible credit</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f5f5f5">
<div class="b-font__secondary-regular m-10">
<h4>Step 3</h4>
<span class="fs-small">The colleague will provide you with an information leaflet detailing the options available to you</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f0f0f0">
<div class="b-font__secondary-regular m-10">
<h4>Step 4</h4>
<span class="fs-small">Confirm you would like to proceed with the finance payment</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#ebebeb">
<div class="b-font__secondary-regular m-10">
<h4>Step 5</h4>
<span class="fs-small">Once the colleague has started to put the transaction through, you will be asked to finish the application on a mobile device (e.g. your mobile phone)</span></div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-bold fs-regular mt-10 mb-10">Please Note</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-normal fs-small">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.</div>
</div>
</div>
<div class="row h-100 no-gutters" id="auto-finance">
<div class="flex-column col-sm-12">
<div class="text-center font-weight-bold fs-xxxlarge mt-30 mb-10">Halfords Autocentre Garage Finance Options</div>
</div>
</div>
<div class="row mb-10">
<div class="flex-container m-auto w-100" id="auto">
<div class="table-responsive">
<table class="table table h300 text-center b-font__secondary-regular">
<colgroup>
<col width="25%" />
<col width="25%" />
<col width="25%" />
<col width="25%" />
</colgroup>
<tbody>
<tr>
<th class="bg-black-300 text-white fs-large">Duration</th>
<th class="bg-black-300 text-white fs-large">Pay in 3</th>
<th class="bg-black-300 text-white fs-large">Pay in 12</th>
<th class="bg-black-300 text-white fs-large">24 Months</th>
</tr>
<tr>
<td><span class="fs-small">Interest rate </span></td>
<td style="background-color:#fafafa"><span class="fs-small">0%<br />
APR (fixed)</span></td>
<td style="background-color:#f5f5f5"><span class="fs-small">0%<br />
APR (fixed)</span></td>
<td style="background-color:#f0f0f0"><span class="fs-small">18.9%<br />
APR (fixed)</span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-top border-left border-right"><span class="fs-xxlarge">£300</span><br />
<span class="fs-small">Total Spend</span></td>
<td class="border-top border-right"><span>£100</span><br />
<span class="fs-small">Per instalment</span></td>
<td class="border-top border-right"><span>£25</span><br />
<span class="fs-small">Per instalment</span></td>
<td class="border-top border-right"><span>£14.90</span><br />
<span class="fs-small">Per month</span></td>
</tr>
<tr>
<td class="border-left border-bottom border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="fs-regular text-primary">£300</span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="fs-regular text-primary">£300</span></td>
<td class="border-bottom border-right " style="background-color:#f5f5f5"><span class="fs-regular text-primary">£357.60</span></td>
</tr>
<tr class="spacer">
<td> </td>
</tr>
<tr>
<td class="border-left border-top border-right"><span class="fs-xxlarge">£600</span><br />
<span class="fs-small">Total spend</span></td>
<td class="border-top border-right"><span>£200</span><br />
<span class="fs-small">Per instalment</span></td>
<td class="border-top border-right"><span>£50</span><br />
<span class="fs-small">Per instalment</span></td>
<td class="border-top border-right"><span>£29.80</span><br />
<span class="fs-small">Per month</span></td>
</tr>
<tr>
<td class="border-bottom border-left border-right"><span class="fs-small text-primary">Total amount payable</span></td>
<td class="border-bottom border-right" style="background-color:#fafafa"><span class="text-primary">£600</span></td>
<td class="border-bottom border-right" style="background-color:#f8f8f8"><span class="text-primary">£600</span></td>
<td class="border-bottom border-right" style="background-color:#f5f5f5"><span class="text-primary">£715.20</span></td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-bold fs-regular mt-10 mb-10">Terms and Conditions</div>
</div>
</div>
<div class="row">
<div class="col-lg-6 col-md-6 col-sm-12 mb-20">
<div>
<p class="fs-regular pb-0 mb-10"><strong>Representative example: 18.9% APR representative based on a loan amount of £300 repayable over 24 months at an interest rate of 18.9% p.a. (Fixed). Monthly repayment of £14.90 and a total amount payable of £357.60. Total charge for credit £57.60.</strong></p>
<p class="fs-regular lh-normal pb-0 mb-10"><strong>Finance available on spends over £30 and subject to credit assessment, terms & conditions apply, you must be aged 18 + and a permanent UK resident, please spend responsibly.</strong></p>
<p class="small-text">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. 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. To understand how Klarna manages customer data, please <a href="https://www.klarna.com/uk/privacy-notice/" target="_blank">click here</a>.</p>
</div>
</div>
<div class="col-lg-6 col-md-6 col-sm-12 mb-20">
<div>
<p class="small-text mt-sm-n30 mt-md-5">Halfords Autocentres Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 755309) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Halfords Autocentres Limited Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE United Kingdom. Company number: 04050548. Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Please note that the following products are not regulated by the FCA: Pay in 3 instalments.</p>
</div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="d-flex col-sm-12 justify-content-center align-items-center text-center">
<div>
<div class="m-auto float-left border-2 border-primary rounded-circle p-10" style="width:62px; height:62px;">
<div class="icon-multicolor icon-click-and-collect" style="width:40px; height:40px;"> </div>
</div>
<div class="float-left b-heading__secondary-5 ml-10 mt-20 mb-30">Garage Click & Collect</div>
</div>
</div>
</div>
<div class="row mb-30 w-100 text-center justify-content-center align-middle no-gutters">
<div class="col-sm-6 col-md">
<div class="b-font__secondary-regular m-10">
<h4>Step 1</h4>
<span class="fs-small">Add your chosen products to the basket</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f8f8f8">
<div class="b-font__secondary-regular m-10">
<h4>Step 2</h4>
<span class="fs-small">At checkout, enter your billing details</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f5f5f5">
<div class="b-font__secondary-regular m-10">
<h4>Step 3</h4>
<span class="fs-small">Choose ‘Halfords Flexible Finance’ as a payment method</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f0f0f0">
<div class="b-font__secondary-regular m-10">
<h4>Step 4</h4>
<span class="fs-small">Select the duration of the finance agreement. This will also confirm your monthly payments</span></div>
</div>
<div class="col-sm-12 col-md" style="background-color:#ebebeb;">
<div class="b-font__secondary-regular m-10">
<h4>Step 5</h4>
<span class="fs-small">Click ‘Apply Now’. You will then be taken through to Klarna to complete your application</span></div>
</div>
<div class="col-sm-12 col-md" style="background-color:#e6e5e5;">
<div class="b-font__secondary-regular m-10">
<h4>Step 6</h4>
<span class="fs-small">Take your confirmation email and driving licence/passport to your selected Halfords Autocentre</span></div>
</div>
</div>
<div class="row h-100 no-gutters">
<div class="d-flex col-sm-12 justify-content-center align-items-center text-center">
<div>
<div class="m-auto float-left border-2 border-primary rounded-circle p-10" style="width:62px; height:62px;">
<div class="icon-multicolor icon-garage-open" style="width:40px; height:40px;"> </div>
</div>
<div class="float-left b-heading__secondary-5 ml-10 mt-20 mb-30">In Garage</div>
</div>
</div>
</div>
<div class="row mb-30 w-100 text-center align-middle no-gutters">
<div class="col-sm-6 col-md">
<div class="b-font__secondary-regular m-10">
<h4>Step 1</h4>
<span class="fs-small">Our colleagues will inform you of the total to be paid</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f8f8f8">
<div class="b-font__secondary-regular m-10">
<h4>Step 2</h4>
<span class="fs-small">Let our colleague know that you would like to spread the cost with flexible credit</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f5f5f5">
<div class="b-font__secondary-regular m-10">
<h4>Step 3</h4>
<span class="fs-small">The colleague will provide you with an information leaflet detailing the options available to you</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#f0f0f0">
<div class="b-font__secondary-regular m-10">
<h4>Step 4</h4>
<span class="fs-small">Confirm you would like to proceed with the finance payment</span></div>
</div>
<div class="col-sm-6 col-md" style="background-color:#ebebeb">
<div class="b-font__secondary-regular m-10">
<h4>Step 5</h4>
<span class="fs-small">Once the colleague has started to put the transaction through, you will be asked to finish the application on a mobile device (e.g. your mobile phone).</span></div>
</div>
</div>
<div class="row h-100 no-gutters mb-30">
<div class="flex-column col-sm-12">
<div class="text-left font-weight-normal fs-small">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.</div>
</div>
</div>
<div class="row h-100 no-gutters anchor" id="faqs">
<div class="flex-column col-sm-12">
<div class="text-center font-weight-bold fs-xxxlarge mt-20 mb-20">Frequently Asked Questions</div>
</div>
</div>
<div class="row">
<div class="col-12 faqs bg-gray-200 b-accordion b-accordion--secondary accordion mb-30 text-left my-account-accordion" data-cmp="accordion" id="finance-accordion">
<div class="b-accordion__item"><button aria-controls="question-1" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-1" data-toggle="collapse" id="first-button" type="button"></button>
<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-1" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-1" data-toggle="collapse" id="first-button" type="button">Who is Klarna?</button></h3>
<div class="b-accordion__content pl-15 b-page__answers collapse js-collapse" data-parent="#finance-accordion" id="question-1">
<p>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.</p>
<p>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.</p>
</div>
</div>
<div class="b-accordion__item"><button aria-controls="question-2" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-2" data-toggle="collapse" type="button"></button>
<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-2" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-2" data-toggle="collapse" type="button">Am I eligible for Klarna finance?</button></h3>
<div class="b-accordion__content pl-15 b-page__answers collapse js-collapse" data-parent="#finance-accordion" id="question-2">
<p>Your eligibility for finance from Klarna will be subject to your individual circumstances. However, you will need to:</p>
<ul class="b-list ml-20">
<li>be 18 years or older;</li>
<li>have a valid mobile telephone number and email address;</li>
<li>have a UK home address; and</li>
<li>have a credit/debit card that will be valid for 60 days after placing your order.</li>
</ul>
</div>
</div>
<div class="b-accordion__item"><button aria-controls="question-3" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-3" data-toggle="collapse" type="button"></button>
<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-3" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-3" data-toggle="collapse" type="button">Will I be credit checked?</button></h3>
<div class="b-accordion__content pl-15 b-page__answers collapse js-collapse" data-parent="#finance-accordion" id="question-3">
<p>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.</p>
</div>
</div>
<!-- <div class="b-accordion__item">
<button
type="button"
class="b-accordion__title js-collapse-link collapsed"
id="heading-4"
data-target="#finance-item-4"
data-toggle="collapse"
aria-expanded="false"
aria-controls="finance-item-4">
<span class="text-black-300">
What finance options do Klarna provide?
</span>
</button>
<div class="b-accordion__content collapse js-collapse text-black-300" id="finance-item-4" aria-labelledby="heading-4" data-parent="#accordion">
<p>In Halfords retail, Klarna offers 3 and 12 months interest free options, as well as 24, 36 and 48 months where interest is charged. </p>
<p>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.</p>
</div>
</div> -->
<div class="b-accordion__item"><button aria-controls="question-5" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-5" data-toggle="collapse" type="button"></button>
<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-5" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-5" data-toggle="collapse" type="button">How does the Pay in 3 option work?</button></h3>
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<p>Spreading the cost over 3 instalments 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.</p>
<p>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.</p>
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<div class="b-accordion__item"><button aria-controls="question-6" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-6" data-toggle="collapse" type="button"></button>
<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-6" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-6" data-toggle="collapse" type="button">How do the 12, 24, 36 and 48 month options work?</button></h3>
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<p>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.</p>
<p>Go to <a class="font-weight-bold" href="https://www.klarna.com" style="color:#ff9718" target="_blank">www.klarna.com</a> and log in to access your Klarna account, or if you have any questions regarding your account, contact Klarna customer support team on <a class="font-weight-bold" href="tel:08081893333" style="color:#ff9718">0808 189 3333.</a></p>
<p>If you miss a payment or don’t pay in full, Klarna will charge £12 each missed payment.</p>
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<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-7" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-7" data-toggle="collapse" type="button">Will I be asked to answer security questions by Klarna when applying for finance?</button></h3>
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<p>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.</p>
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<h3 class="b-heading__primary-4 mb-20"><button aria-controls="question-8" aria-expanded="false" class="b-accordion__title js-collapse-link collapsed b-page__question " data-target="#question-8" data-toggle="collapse" type="button">How will I know when my Credit Agreement has started?</button></h3>
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<p>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.</p>
<p>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
