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.
Halfords Retail Store Finance Options
Spread the Cost: Pay in 30 days
0% APR (fixed)
Klarna
Spread the Cost: Pay in 3
0% APR (fixed)
Klarna
Spread the Cost: 6 months
18.9% APR (fixed)
Klarna
Spread the Cost: 12 months
0% APR (fixed)
Klarna
Spread the Cost: 24 months
18.9% APR (fixed)
Klarna
Spread the Cost: 36, 48 months
18.9% APR (fixed)
Klarna
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
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
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!
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.
Garages Finance Options
Buy Now Repay in 7
0% APR (fixed)
Payment Assist
Spread the Cost: Pay in 4
0% APR (fixed)
Payment Assist
Spread the Cost: Pay in 6
18.9% APR (fixed)
Payment Assist
Spread the Cost: Pay in 12
18.9% APR (fixed)
Payment Assist
Spread the Cost: Pay in 30 days
0% APR (fixed)
Klarna
Spread the Cost: Pay in 3
0% APR (fixed)
Klarna
Spread the Cost: 6 months
18.9% APR (fixed)
Klarna
Spread the Cost: 12 months
0% APR (fixed)
Klarna
Spread the Cost: 24 months
18.9% APR (fixed)
Klarna
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
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