Spread the cost with finance options for Halfords,
National Tyres and Autocare

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.

We offer finance options across our stores, garages and options for trade credit. Click the options below to find out more.

Where are you shopping?

  • Stores
  • Garages
  • Trade Credit

Buy Now Pay Later & Other Finance at Halfords and National Tyres & Autocare


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?

Auto

Garages


Spread the cost
Finance Options Finance Provider Store Available
In-store
One Icon Available Online
(Click & Collect)
One Icon Available Online
(Home Delivery)

Spread the Cost: Pay in 30 days

0% APR (fixed)

Klarna

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Spread the Cost: Pay in 3

0% APR (fixed)

Klarna

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Spread the Cost: 6 months

18.9% APR (fixed)

Klarna

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Spread the Cost: 12 months

0% APR (fixed)

Klarna

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Spread the Cost: 24 months

18.9% APR (fixed)

Klarna

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Spread the Cost: 36, 48 months

18.9% APR (fixed)

Klarna

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£30 Total Spend £300 Total Spend £500 Total Spend £1500 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 £1499
Pay in 3 0% APR (fixed) £10
£30
£100 £300 £166.67 £500 N/A Not available on purchases over £1499
6 months 18.9% APR (fixed) N/A
Only available on purchases of £99+
£52.57 £315.44 £87.62 £525.73 N/A Not available on purchases over £999
12 months 0% APR (fixed) N/A
Only available on purchases of £999+
N/A Only available on purchases of £999+ N/A Only available on purchases of £999+ £125 £1500
24 months 18.9% APR (fixed) N/A
Only available on purchases of £199+
£14.90 £357.60 £24.83 £595.92 £74.48 £1787.49
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 £53.81 £1937
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 £43.62 £2093.87
*The above table is for illustrative purposes only. When applying you will be provided with the exact repayments for your purchase and circumstances.

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 Financial Services UK Limited. 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 and late fees apply. klarna.com/uk/terms-and-conditions

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 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 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.
Finance Options Finance Provider StoreAvailable In Halfords and National Tyres Centres One Icon Available Online at Halfords.com One Icon Available Online at National.co.uk

Buy Now Repay in 7

0% APR (fixed)

Payment Assist

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Spread the Cost: Pay in 4

0% APR (fixed)

Payment Assist

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Spread the Cost: Pay in 6

18.9% APR (fixed)

Payment Assist

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Spread the Cost: Pay in 12

18.9% APR (fixed)

Payment Assist

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Spread the Cost: Pay in 30 days

0% APR (fixed)

Klarna

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Spread the Cost: Pay in 3

0% APR (fixed)

Klarna

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Spread the Cost: 6 months

18.9% APR (fixed)

Klarna

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Spread the Cost: 12 months

0% APR (fixed)

Klarna

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Spread the Cost: 24 months

18.9% APR (fixed)

Klarna

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£30 Total Invoice £300 Total Invoice £500 Total Invoice £1500 Total Spend
Finance Provider Duration Interest Rate Per Instalment Total amount payable 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 £85 in months 7,8,9 £300 £75 Deposit + 3 payments of £141.67 in months 7, 8, 9 £500 £225 Deposit + 3 payments of £425 in months 7, 8, 9 £1500
Payment Assist Pay in 4 0% APR (fixed)
£7.50
£30 £75 £300 £125 £500 £375 £1500
Payment Assist Pay in 6 18.9% APR (fixed)
N/A
Only available on purchases of £99+ £52.57 £315.44 £87.62 £525.73 £262.87 £1577.20
Payment Assist Pay in 12 18.9% APR (fixed)
N/A
Only available on purchases of £99+ £27.42 £329.08 £45.71 £548.47 £137.12 £1645.42
Klarna 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 £1499
Klarna Pay in 3 0% APR (fixed)
£10
£30 £100 £300 £166.67 £500 N/A Not available on purchases over £1499
Klarna 6 months 18.9% APR (fixed)
N/A
Only available on purchases of £99+ £52.57 £315.44 £87.62 £525.73 N/A Not available on purchases over £999
Klarna 12 months 0% APR (fixed)
N/A
Only available on purchases of £999+ N/A Only available on purchases of £999+ N/A Only available on purchases of £999+ £125 £1500
Klarna 24 months 18.9% APR (fixed)
N/A
Only available on purchases of £99+ £14.90 £357.60 £24.83 £595.92 £74.48 £1787.49
*The above table is for illustrative purposes only. When applying you will be provided with the exact repayments for your purchase and circumstances.

Terms and Conditions – Payment Assist

Representative example: 18.9% APR representative based on a loan amount of £300 repayable over 12 months at an interest rate of 18.9% p.a. (Fixed). Monthly repayment of £27.42 and a total amount payable of £329.08. Total charge for credit £29.08.

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.

National Tyre Service Ltd t/a National Tyre and Autocare is an appointed representative of Halfords Autocentres Ltd which is authorised and regulated by the Financial Conduct Authority and acts as a credit intermediary and not a lender, offering credit products provided by Payment Assist.

Please note that Pay in 4, and Buy Now Repay 7 products offered by Payment Assist are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&C’s apply.

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.

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 Financial Services UK Limited. Please note that Pay in 30 days and Pay in 3 are not regulated by the FCA. Finance on spends over £30 and you must be a permanent UK resident aged 18+, subject to status, T&C’s and late fees apply. klarna.com/uk/terms-and-conditions

View FAQs

Trade Credit 

Trade Credit powered by

Pay on account for business purchases with a Trade Card.

How it works Buy now, pay next month

Purchase today and don’t pay a penny until the end of the following month. For example, if you make a purchase on 25th March, you wouldn’t need to pay until 30th April. No interest or transaction fees. Late repayment fees may apply.

Trade Card Login How to apply
Online, Wholesale and Store
  • Step 1 Apply You can apply for Trade Credit powered by Kriya when making a purchase on Halfords.com, Wholesale or ask a colleague in store for information.
  • Step 2 Onboard Be prepared to share some details about your business at the point of application.
  • Step 3 Verify A director or key principal at your business will need to verify your application with a passport or driving licence. This is done through an easy online process.
  • Step 4 Ready! Your business will be set a Trade Credit limit that it can use to make purchases from Halfords.com, Wholesale or Halfords retail stores.

Other members of your team can be authorised to use your business’ Trade Credit limit for purchases too. Your director or key principal will be sent a SMS notification at point of first purchase to authorise them.

How to purchase
Online - Business Delivery
  • Step 1 Add your chosen products to the basket.
  • Step 2 Choose Trade Credit powered by Kriya as a payment method.
  • Step 3 If this is your first Trade Credit purchase, complete the steps outlined in the How to Apply section above.
  • Step 4 Select the payment terms and check out.
  • Step 5 Verify your transaction via SMS text message.
  • Step 6 Your order is complete and will be shipped to you.
Online - Click & Collect
  • Step 1 Add your chosen products to the basket.
  • Step 2 Choose Trade Credit powered by Kriya as a payment method.
  • Step 3 If this is your first Trade Credit purchase, complete the steps outlined in the How to Apply section above.
  • Step 4 Select the payment terms and check out.
  • Step 5 Verify your transaction via SMS text message.
  • Step 6 Take your confirmation email and driving licence/passport to your selected Halfords Retail Store and collect your products.
Wholesale
  • Step 1 Submit an enquiry via halfordsforbusiness.com
  • Step 2 Select Pay with Trade Credit on the enquiry form.
  • Step 3 If this is your first Trade Credit purchase, complete the steps outlined in the How to Apply section above.
  • Step 4 Once Halfords has dispatched your items, Kriya will send you an invoice to settle your Halfords account.
In-store
  • Step 1 Complete the steps outlined in the How to Apply section above first in order to purchase in-store.
  • Step 2 Take your products to one of our colleagues.
  • Step 3 Let our colleague know that you would like to purchase using Trade Credit powered by Kriya.
  • Step 4 Provide the mobile telephone number registered with your Trade Credit powered by Kriya account.
  • Step 5 Once the colleague has started to put the transaction through, you will be asked to verify via SMS text message.
  • Step 6 Your purchase is complete.
Terms and Conditions - Kriya - Applicable to Companies and Incorporated Partnerships As part of our commitment to offering flexible payment options, Halfords provides Trade Credit powered by Kriya. This payment option is available for both in-store and online purchases and is designed to provide flexibility for your business’s cash flow. By opting for this payment method, you agree to the terms and conditions outlined below: Consent to Assignment: By selecting the Trade Credit option for your purchase with Halfords, you are consenting to the assignment by Halfords of all rights associated with your order to Kriya notwithstanding any term to the contrary in other agreement between you and Halfords. This includes, but is not limited to, the assignment of the right to receive payment from you. Effect of Assignment: Upon the completion of your transaction, all rights to receive any amounts owed by you under the terms of the purchase will be assigned to Kriya. All subsequent payments should be made directly to Kriya, in accordance with the payment schedule provided to you. This assignment is an integral part of the Trade Credit solution, and by proceeding with this payment option, you acknowledge and consent to the transfer of these rights. Late Payment Fee: Please note, failure to make payments by the due dates specified in the payment schedule may result in a Late Payment Charge equal to a minimum of 1.5% of the value of the order. These fees are necessary to cover additional administrative costs, which helps us continue to offer this service responsibly. If you have any questions or require further information, please contact our customer support team at support@kriya.co Terms and Conditions - Applicable to Sole Traders and General Partnerships with 3 or less partners Consent to Terms and Conditions: As part of our commitment to offering flexible payment options, Halfords provides Trade Credit powered by Kriya. This payment option is available for both in-store and online purchases and is designed to provide flexibility for your business’s cash flow. By opting for this payment method, you agree to the terms and conditions outlined below: By selecting the Trade Credit option at checkout, you are agreeing to be bound by the terms and conditions provided via the following link: www.kriya.co/halfords/trade-credit-terms-and-conditions We strongly recommend reviewing these terms each time you make a purchase as they contain important information about your rights and obligations. Application to Each Purchase: Each transaction made using the Trade Credit option will constitute a separate agreement. The terms and conditions linked above will govern each purchase and outline your responsibilities and rights concerning each transaction. If you have any questions or require further information, please contact our customer support team at support@kriya.co
Frequently Asked Questions

Halfords Trade Credit is powered by Kriya, a leading provider of business payments. They specialise in providing flexible payment terms so business buyers can purchase what they need up front and pay later.

Kriya was established in 2011, and is privileged to be backed by Barclays Bank, Santander Innoventures and British Business Bank.

Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes (FCA reference no: 750199). We are a limited company registered in England and Wales (No. 07330525)

Kriya Finance Limited,

48-50 Scrutton Street,

London,

EC2A 4XQ

https://www.kriya.co/

To assess your eligibility for using Trade Credit powered by Kriya, a soft credit search is performed against your business, or if you’re a sole trader or partnership – you as an individual. A soft credit check will not impact your credit rating.

If you are eligible, the first time you make a purchase with Trade Credit powered by Kriya, a hard search will be made. This will only happen the first time you use the service. This search will appear on your credit report. Multiple hard searches in a short period of time may affect your credit score.

Kriya offers their services to limited companies, limited liability partnerships, limited partnerships, government entities and sole traders. To be considered, your business must have been trading for a minimum of three months.

Using Trade Credit powered by Kriya is free. There are no transaction fees and no interest charged.

However, if you are overdue in paying your invoice (at the end of the following month) you may be subject to a late payment charge. Late payments can negatively impact your Trade Credit powered by Kriya spending limit.

Halfords have partnered with Kriya to provide business customers with a spending limit and flexible payment options that can be used online, in-store, and for wholesale orders.

The way this works is that the cost of your order is covered upfront by Kriya, and you have until the end of the following month to repay the balance.

Kriya has provided a bank account in Halfords’ name specifically for Trade Credit orders. Once payment for your order is due, you’ll be required to pay the balance into this bank account.

For Halfords wholesale orders the details will be on your invoice.

For online orders from halfords.com or on-store, the details will be on the confirmation and reminder emails you receive from Kriya.

Please note, paying any other Halfords account back directly could mean your spending limit is placed on hold and late payment fees may apply.

We offer common business-to-business payment methods, including bank transfers and direct debits.

We determine your spending limit through a quick credit and fraud risk assessment using your business's name and address. We check various sources like Companies House, but don’t worry—this won't impact your credit score or your business’s credit rating.

To request a spending limit increase, please contact us at kriyapaymentsrisk@kriya.co. We may ask for additional information if needed to process your request.

If you miss the due date, you will receive a reminder email. Please note that late payment fees may apply if invoices remain overdue for an extended period.

If you miss the due date, you will receive a reminder email. Please note that late payment fees may apply if invoices remain overdue for an extended period.

Yes, payment can be made at any time during the payment terms.

Paying prior to the due date will free up your spending limit faster, enabling you to place more orders.

If you accidentally overpaid, email us support@kriya.co. Kriya may request additional information to process the refund quickly and efficiently.

Once Kriya has processed your cancellation or return, we will process a return 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 a return has been made the invoice will be updated before payment is needed.

Your order might be declined for one of the following reasons:

  1. Identification Issues: We are unable to identify your company due to insufficient information. To avoid this, please ensure you use your full legal name, date of birth and registered address.
  2. Outstanding Overdue Invoices: You may have overdue invoices with Kriya.
  3. Unsuccessful Credit Check: The credit check for your spending limit was unsuccessful.

If you need assistance, please contact our support team on support@kriya.co

Payment term information can be found on your Halfords invoice or confirmation and reminder emails. If you still require this information, please contact Halfords or reach out to us at support@kriya.co and we would be more than happy to assist.

Typically, two types of email reminders are sent out to keep you informed about repayments for your invoices:

Pre-Due Date Reminder: This reminder is sent out prior to an invoice being due to give you a heads-up and ensure you have ample time to make the payment.

Past Due Date Reminder: If an invoice has not been settled by the due date, we will send out a reminder to inform you that the payment is overdue.

These reminders are designed to help you stay on top of your payments and avoid any potential late fees or service interruptions.

If you have already paid the full invoice amount and still received a reminder, please contact Kriya at support@kriya.co with your payment receipt, and we will investigate the issue for you.

Please get in touch with Kriya’s support team on support@kriya.co to let them know and they will coordinate with Halfords to amend your payment schedule.

If you have returned your items and not received your refund please contact Kriya’s Customer Support team on support@kriya.co who will be able to help you.

If you have any feedback or complaints about your experience with Kriya, please contact Kriya’s Customer Support team on complaints@kriya.co

Please get in touch with Kriya Collections team payment.collections@kriya.co who will be able to discuss the situation with you.

No, you can use Trade Credit powered by Kriya whenever it suits you.

Kriya is providing Halfords with a payments solution. Kriya is not supplying any goods or services to the buyer. As such, Kriya is not required to fill in any supplier onboarding forms or contracts directly with Halfords buyers. In this instance, Halfords should be onboarded as your supplier.