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Finance

FINANCE INFORMATION & OPTIONS

THINKING OF CHOOSING FINANCE?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Klarna Bank AB Retail Finance whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you from Klarna Bank AB. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

CHECK YOUR ELIGIBILITY

You will only be considered for finance if you:

  • Are at least 18 years old
  • You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits
  • Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
  • Provide an email address so your documentation can be emailed to you.


FINANCE ON ORDERS OVER £280

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12, 24 or 36 months. The value of the loan needs to be over £280 and you can choose a deposit of up to 50% of the value of the goods.

Use our finance calculator on any of the products on site to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments. 

Example for 24 months item value of £1699

Finance option
24 Months 0%                                                   
Deposit
 15%    
Purchase Price
£1699.00
Deposit to Pay
£254.85
Amount of Credit
£1444.15
Monthly Payments
£42.82
Amount of Interest
£0.00
Number of Monthly Payments
24
Total Amount Payable
£1699.00
Rate of Interest (Fixed per annum)
0%
APR Representative
0%

 

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

 

Select 'Apply for Finance' at checkout and you'll be taken to another screen showing the rates you chose with a link to the application, then complete the application form, which takes just a few minutes to complete.

 

FINANCE DECISION

Your application will be assessed based on eligibility, credit history and affordability and Klarna Bank AB will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Klarna Bank AB will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

CANCELLATION

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Klarna Bank AB or your lender.



THE LEGAL BIT

Houseproud Furnishing Limited acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ). Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority.

Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply. 

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431. Klarna’s FCA registration number: 821179. 


About Klarna 

It's all about smoooth (yes, with 3 ooo's). Klarna is Europe’s leading payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time — offering a trusted, frictionless and smoooth checkout experience. Klarna works with over 100,000 merchants, including Topshop, Swoon, ASOS and JD Sports in the UK, to offer payment solutions to users across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.