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, and interest bearing options when you pay in 6 or pay in 12, on bills over £99. Please be advised that a full credit check will be conducted where an application exceeds £1,000, or when using the Buy Now Repay in 7 months option.

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.

You must have a UK based Debit Card. Credit cards and certain Debit cards that include prepaid cards that do not allow continuous payments are not accepted.

The deposit is a pre-set as a percentage of the total amount, but you can contact Payment Assist directly, after you've completed your transaction, if you wish to pay an additional amount in order to reduce the remaining payments.

Yes you can.

Yes, there are no costs involved in paying off early. Simply contact Payment Assist directly to settle the agreement.

No, a new one has to be set up, as you will only have signed for the original.

Payment Assist run a variety of checks, some of which may be recorded on a customer's credit records - a hard check.

During the application the customer will be fully informed of any checks that will leave a record at each stage."

The maximum amount on a Payment Assist plan is £3,000