Finance at Halfords
Need a new set of tools or had to have some unexpected repairs on your vehicle? We’ve got several finance options to help you spread the cost and make payments more manageable, covering spends over £30.
Where are you shopping?
| Finance Options | Finance Provider |
In-store |
(Click & Collect) |
(Home Delivery) |
|---|---|---|---|---|
Spread the Cost: Pay in 30 days0% APR (fixed) |
Klarna |
|
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|
Spread the Cost: Pay in 30% APR (fixed) |
Klarna |
|
|
|
Spread the Cost: 6 months0% APR (fixed) |
Klarna |
|
|
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Spread the Cost: 12 months0% APR (fixed) |
Klarna |
|
|
|
Spread the Cost: 24 months18.9% APR (fixed) |
Klarna |
|
|
|
Spread the Cost: 36, 48 months18.9% APR (fixed) |
Klarna |
|
|
|
| £30 Total Spend | £300 Total Spend | £500 Total Spend | £1000 Total Spend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Duration | Interest Rate | Per Instalment | Total amount payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable |
| Pay in 30 days | 0% APR (fixed) | Total amount to be paid within 30 days |
£30
|
Total amount to be paid within 30 days | £300 | Total amount to be paid within 30 days | £500 | N/A | Not available on purchases over £999 |
| Pay in 3 | 0% APR (fixed) | £10 |
£30
|
£100 | £300 | £166.67 | £500 | N/A | Not available on purchases over £999 |
| 6 months | 0% APR (fixed) | N/A |
Only available on purchases of £99+
|
£50 | £300 | £83.34 | £500 | £166.67 | £1000 |
| 12 months | 0% APR (fixed) | N/A |
Only available on purchases of £199+
|
£25 | £300 | £41.67 | £500 | £83.34 | £1000 |
| 24 months | 18.9% APR (fixed) | N/A |
Only available on purchases of £99+
|
£14.90 | £357.60 | £24.83 | £595.92 | £49.66 | £1191.84 |
| 36 months | 18.9% APR (fixed) | N/A |
Only available on purchases of £399+
|
N/A | Only available on purchases of £399+ | £17.94 | £645.84 | £35.88 | £1291.68 |
| 48 months | 18.9% APR (fixed) | N/A |
Only available on purchases of £399+
|
N/A | Only available on purchases of £399+ | £14.55 | £698.40 | £29.09 | £1396.32 |
Terms and Conditions
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.
Late or missing payments may have serious consequences for you and cause you serious money problems. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
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 Ltd is authorised and regulated by the Financial Conduct Authority (FRN 724263) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Please note that Pay in 30 days and Pay in 3 are not regulated by the FCA. Finance is only available on spends over £30. You must be a permanent UK resident, aged 18+, subject to status. T&C’s apply.
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 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 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)
| Finance Options | Finance Provider |
|
|
|
|---|---|---|---|---|
Buy Now Repay in 70% APR (fixed) |
Payment Assist |
|
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Spread the Cost: Pay in 40% APR (fixed) |
Payment Assist |
|
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Spread the Cost: Pay in 60% APR (fixed) |
Payment Assist |
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Spread the Cost: Pay in 120% APR (fixed) |
Payment Assist |
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Spread the Cost: Pay in 30 days0% APR (fixed) |
Klarna |
|
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Spread the Cost: Pay in 30% APR (fixed) |
Klarna |
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Spread the Cost: 6 months0% APR (fixed) |
Klarna |
|
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Spread the Cost: 12 months0% APR (fixed) |
Klarna |
|
|
|
Spread the Cost: 24 months18.9% APR (fixed) |
Klarna |
|
|
|
| £30 Total Invoice | £300 Total Invoice | £600 Total Invoice | ||||||
|---|---|---|---|---|---|---|---|---|
| Finance Provider | Duration | Interest Rate | Per Instalment | Total amount payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable |
| Payment Assist | Buy Now Repay in 7 | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £45 Deposit + 3 payments of £170 in months 7,8,9 | £300 | £90 Deposit + 3 payments of £85 in months 7,8,9 | £600 |
| Payment Assist | Pay in 4 | 0% APR (fixed) |
£7.50
|
£30 | £75 | £300 | £150 | £600 |
| Payment Assist | Pay in 6 | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £50 | £300 | £100 | £600 |
| Payment Assist | Pay in 12 | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £25 | £300 | £50 | £600 |
| Klarna | Pay in 30 days | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | Total amount to be paid within 30 days | £300 | Total amount to be paid within 30 days | £600 |
| Klarna | Pay in 3 | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £100 | £300 | £200 | £500 |
| Klarna | 6 months | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £50 | £300 | £100 | £600 |
| Klarna | 12 months | 0% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £25 | £300 | £50 | £600 |
| Klarna | 24 months | 18.9% APR (fixed) |
N/A
|
Only available on purchases of £99+ | £14.90 | £357.60 | £29.80 | £715.20 |
Terms and Conditions – Payment Assist
Late or missing payments may have serious consequences for you and cause you serious money problems. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. Late fees may apply.
To access finance with Payment Assist, 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. To understand how Payment Assist manages customer data, please click here.
Halfords Autocentres Ltd is authorised and regulated by the Financial Conduct Authority (FRN 755309) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Payment Assist. Please note that Pay in 4, Buy Now Repay 7, Pay in 6 and Pay in 12 products are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&C’s apply.
National Tyre Service Ltd t/a National Tyre and Autocare is not authorised or regulated by the Financial Conduct Authority. National Tyre Service Ltd Registered Office: Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE United Kingdom. Company number: 00986754’
Terms and Conditions – Klarna
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.
Late or missing payments may have serious consequences for you and cause you serious money problems. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
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 Ltd is authorised and regulated by the Financial Conduct Authority (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)]. Please note that Pay in 3 instalments is not regulated by the FCA. Finance on on spends over £30 and you must be a permanent UK resident aged 18+, subject to status, T&C’s apply. klarna.com/uk/terms-and-conditions
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 and National Tyres and Autocare, we can introduce you to an alternative finance provider called Payment Assist who offer a Buy Now Repay in 7 months option on bills over £99, 4 payment 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.