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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 |
| Service | PayPal Credit | Pay in 3 | Pay in 30 days | 6 months interest free |
| Min. spend | £99 | 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. |
| 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. |
| Terms | Sent via email | 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 |
Swell UK Ltd, Unit C, Broadway Industrial Park, Hyde, Cheshire, SK14 4QF, United Kingdom is authorised and regulated by the Financial Conduct Authority (FCA FRN 801037) and acts as a credit intermediary and not a lender, offering credit products provided [exclusively by Klarna Bank AB (publ)] [by a limited number of finance providers, including Klarna Bank AB (publ)]. Please note that [Pay in 3 instalments] [and] [Pay in 30 days] agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs and late fees apply. Klarna.com/uk/terms-and-conditions.