Finance at Halfords
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.
| Finance Options |
In-store |
(Click & Collect) |
(Home Delivery) |
In-garage |
Online |
|---|---|---|---|---|---|
Spread the Cost: Pay in 30% APR (fixed) |
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Spread the Cost: 6 months0% APR (fixed) |
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Spread the Cost: 12 months0% APR (fixed) |
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Spread the Cost: 24 months18.9% APR (fixed) |
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Spread the Cost: 36, 48 months18.9% APR (fixed) |
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Terms and conditions apply. See the relevant section below.
| Duration | Pay in 3 | 6 Months |
12 Months |
24 Months |
36 Months |
48 Months |
|---|---|---|---|---|---|---|
| Interest rate |
0% APR % (fixed) |
0% APR % (fixed) |
0% APR % (fixed) |
18.9% APR % (fixed) |
18.9% APR % (fixed) |
18.9% APR % (fixed) |
|
£30
Total spend |
£10
Per instalment |
N/A | N/A | N/A | N/A | N/A |
| Total amount payable | £30 | Only available on purchases of £99 or more | Only available on purchases of £199 or more | Only available on purchases of £99 or more | Only available on purchases of £399 or more | Only available on purchases of £399 or more |
|
£300
Total spend |
£100
Per instalment |
£50
Per month |
£25
Per month |
£14.90
Per month |
N/A | N/A |
| Total amount payable | £300 | £300 | £329.16 | £357.60 | Only available on purchases of £399 or more. | Only available on purchases of £399 or more. |
|
£500
Total spend |
£166.67
Per instalment |
£83.34
Per month |
£41.67
Per month |
£24.83
Per month |
£17.94
Per month |
£14.55
Per month |
| Total amount payable | £500 | £500 | £500 | £595.92 | £645.84 | £698.40 |
|
£1,000
Total spend |
N/A |
£166.67
Per month |
£83.34
Per month |
£49.66
Per month |
£35.88
Per month |
£29.09
Per month |
| Total amount payable | Only available on purchases of £999 or less. | £1,000 | £1,000 | £1,191.84 | £1,291.68 | £1,396.32 |
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.
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.
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). 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, 6 months, and 12 months.
Step 1
Add your chosen products to the basketStep 2
At checkout, enter your billing detailsStep 3
Choose ‘Halfords Flexible Finance’ as a payment methodStep 4
Select the duration of the finance agreement. This will also confirm your monthly paymentsStep 5
Click ‘Apply Now’. You will then be taken through to Klarna to complete your applicationStep 6
Take your confirmation email and driving licence/passport to your selected Halfords Retail StoreStep 1
Add your chosen products to the basketStep 2
At checkout, enter your billing detailsStep 3
Choose ‘Halfords Flexible Finance’ as a payment methodStep 4
Select the duration of the finance agreement. This will also confirm your monthly paymentsStep 5
Click ‘Apply Now’. You will then be taken through to Klarna to complete your applicationStep 6
Once your application is approved your goods will be shipped to you!Step 1
Take your products to one of our colleaguesStep 2
Let our colleague know that you would like to spread the cost with flexible creditStep 3
The colleague will provide you with an information leaflet detailing the options available to youStep 4
Confirm you would like to proceed with the finance paymentStep 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)| Duration | Pay in 3 | 6 months | 12 months | 24 Months |
|---|---|---|---|---|
| Interest rate |
0% APR (fixed) |
0% APR (fixed) |
0% APR (fixed) |
18.9% APR (fixed) |
|
£30
Total spend |
N/A | N/A | N/A | N/A |
| Total amount payable | Only available on purchases of £99 or more | Only available on purchases of £99 or more | Only available on purchases of £99 or more | Only available on purchases of £99 or more |
|
£300
Total Spend |
£100
Per instalment |
£50
Per month |
£25
Per month |
£14.90
Per month |
| Total amount payable | £300 | £300 | £300 | £357.60 |
|
£600
Total spend |
£200
Per instalment |
£100
Per month |
£50
Per month |
£29.80
Per month |
| Total amount payable | £600 | £600 | £600 | £715.20 |
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.
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.
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). 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, 6 months, and 12 months.
Step 1
Add your chosen products to the basketStep 2
At checkout, enter your billing detailsStep 3
Choose ‘Halfords Flexible Finance’ as a payment methodStep 4
Select the duration of the finance agreement. This will also confirm your monthly paymentsStep 5
Click ‘Apply Now’. You will then be taken through to Klarna to complete your applicationStep 6
Take your confirmation email and driving licence/passport to your selected Halfords AutocentreStep 1
Our colleagues will inform you of the total to be paidStep 2
Let our colleague know that you would like to spread the cost with flexible creditStep 3
The colleague will provide you with an information leaflet detailing the options available to youStep 4
Confirm you would like to proceed with the finance paymentStep 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).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 Pay in 3 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 6, 12, 24, 36 or 48 months finance.
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.
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 0808 189 3333.
If you miss a payment or don’t pay in full, Klarna will charge £12 each missed payment.
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 0808 189 3333 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 0808 189 3333 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 0808 189 3333 who will be able to help.
In Halfords Autocentres, we can introduce you to an alternative finance provider called Payment Assist who offer a 4 month interest free option on bills over £30, a 6 payment interest free option on bills over £99, and a 12 month interest free option on bills over £450. Subject to status. Please be advised that a full credit check will be conducted where an application exceeds £1,000.
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:
- Klarna’s complaints procedure can be found at www.klarna.com/uk/feedback-and-complaints/
- Payment Assist can be contacted on 01664 503151 or by using the contact form at www.payment-assist.co.uk/contact-us
- However, if the complaint is about a retail product you have purchased, contact Halfords at www.halfords.com/customer-services/contact-us/
- Alternatively if the complaint is about Halfords Autocentres services, contact Halfords at www.halfords.com/customer-services/contact-us/autocentres/
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.