Finance at Halfords



Spread the cost

Halfords
flexible finance

from £99*

Powered by Halfords Finance powered by klarna
*Finance available subject to credit assessment, terms and conditions apply, you must be aged 18 + and a permanent UK resident, please spend responsibly.
Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
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 (Halfords Limited reference 724263, Halfords Autocentres Limited reference 755309)

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

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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Terms and conditions apply. See the relevant section below.

Halfords Retail Store Finance Options
Duration 3
Months*
12
Months
24
Months
36
Months
48
Months
Representative APR%
(fixed)
0%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
18.9%
Representative APR %
(fixed)
£300
Total spend
£100
Per month
£27.42
Per month
£14.90
Per month
N/A N/A
Total amount payable £300 £329.08 £357.60 Only available on purchases of £399 or more. Only available on purchases of £399 or more.
£500
Total spend
N/A £45.71
Per month
£24.83
Per month
£17.94
Per month
£14.55
Per month
Total amount payable Only available on purchases of £499 or less. £548.47 £595.92 £645.84 £698.40
£1,000
Total spend
N/A £91.41
Per month
£49.66
Per month
£35.88
Per month
£29.09
Per month
Total amount payable Only available on purchases of £499 or less. £1,096.95 £1,191.84 £1,291.68 £1,396.32
Terms and Conditions

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

Finance available subject to credit assessment, you must be aged 18 + and a permanent UK resident, Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future, please spend responsibly.

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 click here.

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). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. 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.

Click & Collect

Step 1

Add your chosen products to the basket

Step 2

At checkout, enter your billing details

Step 3

Choose ‘Halfords Flexible Finance’ as a payment method

Step 4

Select the duration of the finance agreement. This will also confirm your monthly payments

Step 5

Click ‘Apply Now’. You will then be taken through to Klarna to complete your application

Step 6

Take your confirmation email and driving licence/passport to your selected Halfords Retail Store
Home/Work Delivery

Step 1

Add your chosen products to the basket

Step 2

At checkout, enter your billing details

Step 3

Choose ‘Halfords Flexible Finance’ as a payment method

Step 4

Select the duration of the finance agreement. This will also confirm your monthly payments

Step 5

Click ‘Apply Now’. You will then be taken through to Klarna to complete your application

Step 6

Once your application is approved your goods will be shipped to you!
In-store

Step 1

Take your products to one of our colleagues

Step 2

Let our colleague know that you would like to spread the cost with flexible credit

Step 3

The colleague will provide you with an information leaflet detailing the options available to you

Step 4

Confirm you would like to proceed with the finance payment

Step 5

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)
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 %
0% Representative APR % 18.9% Representative APR %
£300
spend
£100
Per month
£25
Per month
£14.90
Per month
Total amount payable £300 £300 £357.60
£600
spend
£200
Per month
£50
Per month
£29.80
Per month
Total amount payable £600 £600 £715.20
Terms and Conditions

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

Finance available subject to credit assessment, you must be aged 18 + and a permanent UK resident, Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future, please spend responsibly.

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 click here.

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). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. 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.

Garage Click & Collect

Step 1

Add your chosen products to the basket

Step 2

At checkout, enter your billing details

Step 3

Choose ‘Halfords Flexible Finance’ as a payment method

Step 4

Select the duration of the finance agreement. This will also confirm your monthly payments

Step 5

Click ‘Apply Now’. You will then be taken through to Klarna to complete your application

Step 6

Take your confirmation email and driving licence/passport to your selected Halfords Autocentre
In Garage

Step 1

Our colleagues will inform you of the total to be paid

Step 2

Let our colleague know that you would like to spread the cost with flexible credit

Step 3

The colleague will provide you with an information leaflet detailing the options available to you

Step 4

Confirm you would like to proceed with the finance payment

Step 5

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).
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