Klarna available in-store and online:

We have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:

Step 1: Add products to your cart and select “Klarna” when you check out

Step 2: Enter a few personal details and you’ll know instantly if you’re approved

Step 3: Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Payments information:

Pay in 30 days:

Make your payment in full 30 days after your purchase is shipped. No upfront payments, no interest, and no fees. No impact on your credit score. Available on all purchases.

Not making your payments on time could affect your ability to use Klarna in the future.

Debt collection agencies are used as a last resort.

You must be 18+ and a UK resident to be eligible for this credit offer.

View Pay Later Terms and Conditions here

Pay in 3 interest-free instalments:

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. Minimum purchase £35, maximum purchase £1000.

Not making your payments on time could affect your ability to use Klarna in the future.

Debt collection agencies are used as a last resort.

You must be 18+ and a UK resident to be eligible for this credit offer.

View Pay in 3 Terms and Conditions here

Financing:

Conveniently pay for purchases over time with monthly financing. The first time you choose to buy with Financing, you will be asked to apply for a Klarna Account at the checkout. Klarna will carry out an affordability assessment, and if you pass this, Klarna will perform a hard credit search with a Credit Reference Agency which may affect your credit score. If you are approved they will then create your account and you can manage purchases and set up automatic payments in the Klarna App. You can choose from 0% 12 month, 0% 24 month or 9.9% 36 month options. Minimum purchase £250, maximum purchase £5000.

Representative example for £1000 purchase on 12 month 0% APR:

12 months promotional
rate of interest
0% p.a. (variable)*
Nature and amount of
any other charge
£0.00
The total amount of credit£1000.00
The representative APR18.9% APR Representative
Cash/purchase price,
including any deposit
£1000.00, no deposit

If you do not make your full monthly payment, the interest free arrangement will cease and you will be required to pay interest on all future payments at 18.9% APR representative. Late or missing repayments may 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.

Balfe’s Bikes Limited is authorised and regulated by the Financial Conduct Authority, registration number 921647, 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+ years, subject to status, terms and conditions apply.

Balfe’s Bikes Limited, Unit 2 James Watt Way, Crawley, West Sussex, England, RH10 9TZ.

Representative example for £1000 purchase on 36 month 9.9% APR:

Rate of interest9.9% p.a. (fixed)
Interest£152.80
The total amount of credit£1000.00
Representative APR9.9% APR Representative
Cash/purchase price,
including any deposit
£1000.00, no deposit
The duration of the
agreement
36 months
Total amount payable£1152.80
Monthly repayment£32.02

Late or missing repayments may 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.

Balfe’s Bikes Limited is authorised and regulated by the Financial Conduct Authority, registration number 921647, 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+ years, subject to status, terms and conditions apply.

Balfe’s Bikes Limited, Unit 2 James Watt Way, Crawley, West Sussex, England, RH10 9TZ.

Important notice:

Not making your finance payments on time could affect your ability to use Klarna in the future, may revert your interest rate to 18.9%, and affect your credit score.

Debt collection agencies are used as a last resort.

You must be 18+ years old and a UK resident to be eligible for all credit offers.

Balfe’s Bikes Limited is registered in England and Wales, company number 07584071. Registered office Unit 2 Camino Park, James Watt Way, Crawley, West Sussex, England RH10 9TZ.

Balfe’s Bikes Limited is authorised and regulated by the Financial Conduct Authority, registration number 921647, 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 the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+ years, subject to status, terms and conditions apply.

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.

Frequently asked questions

Visit Klarna’s FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.

About Klarna:

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or online.

● Download the Klarna app: https://www.klarna.com/app

● Log in online: https://app.klarna.com/login.

● Chat with customer service: https://www.klarna.com/uk/customer-service/

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

General info about Klarna

● 90 million shoppers are using Klarna.

● 200,000 retailers are working with them worldwide.

● They have been powering online checkouts for 15 years.