Finance

We understand that sometimes you need something today but might not have the money available. To help you out, we've worked with PayPal and Klarna to give you more ways to pay.

Klarna offers three finance options for you; Pay in 3, Pay in 30 days, and 6 months interest-free. Pay in 3 spreads the cost of payment across three monthly instalments. Pay in 30 days allows you to pay up to 30 days after order placement. Finally, 6 months interest-free is short-term financing with no interest for the first 6 months.

PayPal offers PayPal Credit, a 0% interest finance option that allows you to take out a short-term loan with no interest for the first 4 months on any purchase over £99.

PayPal Credit

Finance any payment over £99 with a 4 month, interest-free loan paid in your own time.

Klarna - Pay in 3

Split your payment into three interest-free instalments across three months.

Klarna - Pay in 30 days

Get the products you need today and pay 30 days later in a single, interest-free payment.

Klarna - 6 month interest-free

Spread the cost over a longer period with short-term financing with 6 months interest-free.

Laybuy - Pay in 6 weeks

Spread your payment across six interest-free weekly instalments for short-term finance.

Provider	PayPal	Klarna	Klarna	Klarna	Laybuy
Service	PayPal Credit	Pay in 3	Pay in 30 days	6 months interest free	Pay in 6 weeks
Min. spend	£99	Varies	Varies	Varies	Varies
Requirements	Open to PayPal users with a valid payment card who are over 18 and approved by PayPal for credit.	Open to UK residents with a valid payment card who are over 18 and approved by Klarna for credit.	Open to UK residents with a valid payment card who are over 18 and approved by Klarna for credit.	Open to UK residents with a valid payment card who are over 18 and approved by Klarna for credit.	Open to UK residents over 18 with a valid payment card, passport or driver’s license who are approved by Laybuy.
Instalments	Pay off your balance at any time through your PayPal account or via direct debit.	Pay the first instalment when you purchase, the second after 30 days, and the third after 60 days.	Pay the full amount 30 days after placing your order.	Pay the full amount 30 days after placing your order.	Pay in weekly instalments on your chosen day for 6 weeks.
Terms	Sent via email	See here	See here	See here	See here

Provider	Klarna	Laybuy
Service	PayPal Credit	Pay in 3	Pay in 30 days
Minimum spend	£99	Varies	Varies
Requirements	Open to PayPal users with a valid payment card who are over 18 and approved by PayPal for credit.	Open to UK residents with a valid payment card who are over 18 and approved by Klarna for credit.	Open to UK residents with a valid payment card who are over 18 and approved by Klarna for credit.
Instalments	Pay off your balance at any time through your PayPal account or via direct debit.	Pay the first instalment when you purchase, the second after 30 days, and the third after 60 days.	Pay the full amount 30 days after placing your order.
Terms	Sent via email	See here	See here

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. No fees when you pay on time. Subject to status. Terms and conditions apply.