Interest Free Credit via Klarna Financing

We’re giving you more flexibility to own that purchase you’ve always wanted, by introducing interest free credit – so you can pay monthly, at no extra cost*. 

Spend £300 or more and spread the cost of any purchases into 3, 6, or 12 equal monthly payments with 0% interest*.  
'Pay over time' is a promotional plan with our partners Klarna. You are responsible for making the agreed repayments on time and in full. If you miss payments, the interest free arrangement will cease and you’ll be required to pay interest on all future repayments at 18.9% APR (representative, variable).

*no fees when you pay on time.
Want to know more? See below for important information and frequently asked questions.

Klarna Financing FAQ's

We have partnered with Klarna to offer credit as an option when purchasing with us. With the Klarna Financing payment plan, you can spread your payments over 3, 6 or 12 months. 

Klarna is a global payment service provider that takes end-to-end responsibility for your payment. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores. 

To purchase with Klarna Financing, add the product you wish to purchase to your basket and proceed to the checkout as normal. Then select the “Pay Over Time” payment method. This will start your application for Klarna Financing. You will be asked to provide information about yourself which is required to check your eligibility. If you are approved, your payment plan will be created and your order will be automatically placed with us. It’s a short application and you won't have to leave our website. 

To be eligible for Klarna Financing you must be at least 18 years old and a UK resident. Your application approval is subject to Klarna's review of the details you provide and your financial circumstances. A full credit search will also be performed when you apply for a Klarna Financing agreement. 

You will need to provide your name, billing address, email address and phone number, as well as your employment and bank details. 

You will need to provide your name, billing address, email address and phone number, as well as your employment and bank details. 

Our Financing options are credit plans with repayment terms ranging between 3-12 months. Interest rates will vary depending on the credit agreement offered but will be clearly displayed at the point of checkout The monthly instalments will be collected automatically from your bank account via Direct Debit. It is important to ensure you have enough funds in your account to cover the repayment on your due date each month. 

During the Klarna Financing application you will be asked to set up a Direct Debit Mandate from your bank account. Klarna will debit your monthly instalments from your bank account automatically via this Direct Debit Mandate so you don’t need to do anything. It is important to ensure that you have enough funds in your account to cover the repayments on your due date each month. 

If you have selected the Klarna Financing option to pay for your purchase, Klarna will send you an email confirming your purchase details. The email will contain a link to Klarna’s online portal or to download the app, where you can manage your purchases with Klarna. It is essential that you provide accurate information during checkout to ensure that you receive all Klarna communications related to your Financing plan.  

When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can contact Klarna’s customer support team. 

Your monthly payment must reach Klarna by the payment due date. Klarna will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. 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. If at any time you miss consecutive payments, Klarna may serve you a default notice requiring you to repay what you owe. If you fail to do so, Klarna may terminate your Financing agreement and assign the debt to a debt collection agency to collect on behalf of Klarna. Klarna may also sell the debt to a debt collection agency. If you are having trouble making repayments, please get in touch with Klarna Customer Service via the support section of the Klarna app or via Klarna’s customer support page.

Please contact customer services at HUUB to process your return. Once your return has been processed your Klarna Financing plan will be adjusted. 

As soon as the store has registered your cancellation or your return, we will credit the balance back to you or process a refund. This is usually completed within the next 5 business days. 

Please visit Klarna’s Customer Service for a full set of FAQs. Alternatively, you can contact Klarna via live chat from their website, by downloading the Klarna app or over the phone.

HUUB Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 815017) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Klarna Financing is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.