Finance Information

Lender Update

Close Brothers Retail Finance has been acquired by Klarna. Existing customers are being contacted directly by Klarna, you can also find answers to common questions online.

Our online and in-store finance offering remains the same for now, the only change will be to Klarna branding.

Interest Free Credit Offer - 0% APR

Selected products now qualify for interest free credit over terms of up to 48 months. Finance quotes are available on individual product pages. For multiple item orders, add your chosen items to the basket to view your options. Subject to status. Deposits can be varied between 10% and 50%. Minimum order values apply as follows:

6 Months - £500
12 Months - £999
24 Months - £1999
36 Months - £1999*
48 Months - £1999*

* Reduced minimum spends on 36 and 48 month terms available for limited time only.

You can apply for finance online and in-store. Available on selected orders between £500 and £25000. Not all orders will qualify where the minimum spend is met. See product pages and basket for availability.

Interest Free (0% APR) Example

Finance Option	6 Months Interest Free Credit (0%)
Order Total	£500.00
Deposit	£50.00
Representative APR	0%
Loan Amount	£500.00
Cost of Loan	£0.00
You pay per month	£75.00
Total amount payable	£500.00

Classic credit (see below) is available on all orders from £299 to £25000 on terms of up to 60 months. A minimum loan value of £250 applies.

About Credit

Our finance service gives you the opportunity to order today and pay affordable monthly sums. You can go through the whole application process online, or our staff can assist you in-store.

Check out the simple process required to apply for finance on our website below.

Select products to the total value of £299 or more
Choose 'apply for credit' at the basket and complete your application
Once approved, relax and await your delivery

We offer classic finance options (15.9% APR) over terms up to 60 months. You'll be able to see a quote for each term and make a selection during the checkout. You can set your deposit between 10% and 50%, subject to a minimum loan value of £250.

Online credit applications are only available for mail order deliveries to your home address. If you wish to collect your order, please bring identification and proof of address and we'll sort the details out in person.

How to Qualify for Credit

To be accepted for credit you must meet the following criteria.

You are over 18
You or your partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed
You have been resident in the UK for at least 3 years and will continue your residency in the UK
You have a debit or credit card in your name and registered to your address (required for identity verification)
You have a bank or building society current account, you’ll need this to complete the direct debit instruction

Meeting the criteria does not guarantee acceptance. Goods can only be delivered to your home address.

Classic Credit (15.9% APR) Example

Finance Option	60 Months Classic Credit (15.9%)
Order Total	£1680.00
Deposit	£168.00
Representative APR	15.9%
Loan Amount	£1512.00
Cost of Loan	£638.94
You pay per month	£35.85
Total amount payable	£2318.94