INTEREST FREE CREDIT PAYMENT OPTIONS

We offer a range of interest-free and pay-later finance solutions to help you spread the cost of your purchase in a way that suits you. Whether you prefer to pay in instalments, defer your payment, or use your existing PayPal account, our trusted finance partners make the process simple and secure.

Explore the options below to find the provider and plan that’s right for you. Click “Find Out More” under each to view the full terms and eligibility criteria.

KLARNA TERMS AND CONDITIONS

We’re pleased to offer Klarna as an interest-free credit option to help spread the cost of your purchase.

Spending limits

• Klarna Pay Later (30 days): available for orders up to £1,500
• Klarna Pay in 3: available for orders up to £2,000

How do I use Klarna Pay Later?

Klarna Pay Later allows you to shop now and pay up to 30 days after your order has been shipped or made available. There is no interest or fee when payments are made on time.

• Klarna will send a reminder before your payment is due.
• You can pay early at any time via the Klarna App.
• Klarna may allow you to group Pay Later purchases into a single payment each month using their “Pay Later on a specific date” feature. Klarna will attempt payment automatically if you’ve enabled autopay.

Late Payments with Klarna Pay Later

For Klarna’s Pay Later (30 days) option, if payment isn’t received within 7 days of the due date, a late fee of £5 may apply for orders over £20, or 25% of the order value for smaller orders. Up to two late fees can be charged per order.

For Klarna’s “Pay Later on a specific date” option, a late fee of £1 may apply if payment isn’t made within 14 days. For orders under £4, the fee is 25% of the order value. A maximum of two late fees applies.

How do I use Klarna Pay in 3?

Klarna’s Pay in 3 option splits the cost of your purchase into three equal, interest-free payments:

• The first instalment is taken at checkout.
• The second is taken after 30 days.
• The final payment is taken 60 days after the purchase date.

Klarna will notify you before each payment is due. Payments are collected automatically, and there are no interest or processing fees when payments are made on time.

Late payments with Klarna Pay in 3

If Klarna cannot collect an instalment:

• They will retry up to three times over 14 days.
• A late fee of £5 may be applied if the payment remains unpaid.
• Only one late fee may be applied per instalment.

Who can use Klarna?

Klarna is available to UK residents aged 18 or over with a valid debit or credit card and UK billing address. Klarna may perform a soft credit check which will not affect your credit score.

Klarna Buyer Protection

You only need to pay for your order after it has been shipped. Klarna offers buyer protection and support for disputes and order issues. For more information, visit www.klarna.com/uk/buyer-protection-description. For full Klarna terms and conditions, visit www.klarna.com/uk/terms-and-conditions.

FREQUENTLY ASKED QUESTIONS

Who can use Klarna?

UK residents aged 18 or over with a valid debit or credit card and UK billing address.

How do I select Klarna at checkout?

Choose Klarna as your payment method and select either “Pay in 3” or “Pay Later in 30 days.” Follow the on-screen instructions.

Will Klarna check my credit?

Klarna may perform a soft credit check. This does not affect your credit score and is not visible to other lenders.

Are there any fees or interest?

Klarna does not charge interest or fees when payments are made on time. Late payment fees may apply.

What happens if I miss a Klarna payment?

Klarna will retry your payment and notify you. If it remains unpaid, a late fee may be charged and reported to credit agencies.

Can I pay off my balance early?

Yes. You can make an early payment at any time in the Klarna App.

How do I check my Klarna payment schedule?

Use the Klarna App or website to see your upcoming payment dates and amounts.

Can I use a prepaid card?

No. Klarna does not accept prepaid cards. Most major debit and credit cards are accepted.

How are refunds processed?

Klarna will update your payment plan if you return an item. Refunds are credited back to your original card.

Where can I get help?

Visit www.klarna.com/uk or contact Klarna’s support team for help with payments or disputes.

Clearpay Terms and Conditions

Clearpay lets you split your purchase into four equal, interest-free payments, taken automatically every two weeks.

Spending limit

Clearpay is available for orders up to £1,200.

How does Clearpay work?

• The first payment is taken at checkout.
• The remaining three payments are taken every 14 days.
• There are no interest charges if payments are made on time.
• Your payment schedule will be shown at checkout and sent to your email.
• You can manage your instalments in the Clearpay app.

Clearpay is available to UK residents (excluding Channel Islands) aged 18 and over with a UK billing and delivery address, a valid debit or credit card, email address and a valid UK mobile number.

Late payments

If a payment is missed:

• Clearpay will retry the payment.
• A late fee of £6 may be charged.
• For orders over £24, an additional £6 late fee may apply if still unpaid after 7 days.
• Late fees are capped at £24 or 25% of the order value, whichever is lower. Late payments may affect your ability to use Clearpay in the future, and unpaid amounts may be referred to a debt collection agency.

Refunds and cancellations

If you return your full order:

• Future payments will be cancelled.
• Any payments already made will be refunded to your card.

If you return part of your order:

• The refund will be applied to your remaining instalments.
• Refunds will be applied to the final payments first.

You can also use Clearpay’s “Pause and Notify” feature to pause your next instalment for up to 2 weeks while your return is processed.
For full terms, visit www.clearpay.co.uk/terms-of-service.

FREQUENTLY ASKED QUESTIONS

Who can use Clearpay?

UK residents (excluding Channel Islands) aged 18+ with a UK billing and delivery address, a valid debit or credit card, email address and a valid UK mobile number.

How does Clearpay work?

Split your order into 4 interest-free payments. The first is paid at checkout, and the remaining payments are taken automatically every 2 weeks.

Are there any interest charges?

No. Clearpay does not charge interest.

What are the late fees?

£6 per missed instalment. An additional £6 may apply after 7 days for orders over £24. Fees are capped at £24 or 25% of the order value.

Does Clearpay perform a credit check?

Clearpay may run soft checks to assess eligibility. This won’t impact your credit score.

Can I pay early?

Yes. You can pay off any or all of your instalments early via the Clearpay App.

What happens if I change my card?

Update your new card in the Clearpay App to avoid missed payments or fees.

What happens if I return an item?

Your payment plan will be adjusted. Refunds are issued to your original card. You can pause your next payment using the app.

Where can I get help?

Visit www.clearpay.co.uk or use the support form on their website for any queries.

Can Clearpay suspend or close my account?

Yes. Clearpay may suspend or close your account at any time, especially if you breach the terms of your agreement, miss payments, provide false information, or use the service in an unauthorised way. You will remain responsible for any outstanding payments on your Clearpay Plans.

PAYPAL PAY IN 3 TERMS AND CONDITIONS

HOW DO I APPLY?

1. PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and possible impact to your credit score.
2. PayPal Pay in 3 is only available on selected watches from £65 to £2,000.
3. To pay with PayPal Pay in 3, simply select the item you wish to purchase and proceed through the checkout by selecting Pay in 3.
4. The decision-making process in PayPal is automated. They assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.
5. If PayPal refuses to authorise payment or we do not at our complete discretion find our anti-fraud checks to be satisfactory, we will not accept your order.
6. For the full PayPal Pay in 3 Terms and Conditions please click here.

PAYPAL PAY IN 3 FAQs

How can I pay with PayPal Pay in 3?

Just choose to pay with PayPal when you shop online, log into your PayPal account and, if it is an eligible transaction, you’ll see PayPal Pay in 3 as one of the available payment methods. After selecting it, you can apply for a PayPal Pay in 3 plan in a few simple steps, get an instant decision and finish checking out.

How long will my PayPal Pay in 3 plan last?

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

Can I use PayPal Pay in 3 if I have PayPal Credit?

Yes, PayPal Pay in 3 is a separate feature from PayPal Credit. Purchases made using PayPal Pay in 3 will be visible in the PayPal Pay in 3 section of your PayPal Wallet.

How is my application for PayPal Pay in 3 assessed?

PayPal’s decision-making process is automated. They assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.

Will applying for PayPal Pay in 3 impact my credit file?

Not at the moment. We report the ongoing performance of our Pay in 3 customers to our credit reference agencies, as we believe this promotes responsible lending. However, the UK’s main credit reference agencies are currently unable to fully consume Buy Now Pay Later data. We are working closely with the industry to address this matter.  Currently, Pay in 3 does not impact your credit score although using Pay in 3 may impact your ability to obtain credit and the cost of accessing it. More information is available in Pay in 3 Terms & Conditions.

Where can I see how much I owe?

Just log into your PayPal account, go to PayPal Pay in 3, and click on the specific PayPal Pay in 3 plan you want to see. The amount you still owe will be under “Remaining”. PayPal will also send you a reminder by email or SMS 10 days before your payment is due, detailing the amount of your payment, the payment due date and the funding instrument the payment will be taken from.

Can I pay off the entire PayPal Pay in 3 plan at once?

Yes, just log into your PayPal account, choose the PayPal Pay in 3 plan you want to pay off, and click Make a Payment. Then you can make an unscheduled payment of Next Payment Due or Full Balance.

Can I make extra or unscheduled payments?

Yes, just log into your PayPal account, choose the PayPal Pay in 3 plan you want to pay off, and click Make a Payment. Then, you can make an unscheduled payment of Next Payment Due or Full Balance.

When can I find more information about PayPal Pay in 3?

For more information about PayPal Pay in 3 please visit their FAQ page found here.

The details shown here, including finance examples and related information, are correct as of September 2025. We always do our best to keep this information up to date; however, terms and conditions are set by our payment provider and may change without notice. For the latest and most accurate information, please refer to the provider’s official terms and conditions.