Finance

At our site, we offer Klarna and Clearpay as convenient payment options to your shopping experience. With Klarna, you can shop now and pay later, giving you the flexibility to manage your budget. Clearpay allows you to split your purchase into manageable installments, making it easier to get what you love without breaking the bank. Enjoy a seamless checkout with these trusted payment solutions!

Buy Now, Pay Later (BNPL) Terms & Conditions

1. Independent Credit Provision

Third-Party Contracts: All BNPL services are provided by independent third-party finance providers.
Separate Agreement: When choosing a BNPL option, you enter a separate contract directly with that provider.
Provider Terms: You must agree to the provider’s specific terms, conditions, and privacy policies at checkout.

2. Eligibility & Credit Checks

Age Restrictions: BNPL services are only available to residents of the United Kingdom aged 18 or over.
Status Assessment: Approval is subject to status, affordability checks, and identity verification by the provider.
Credit Impact: Providers may conduct soft or hard credit checks that could affect your credit score.

3. Missed Repayments & Fees

Payment Responsibility: You are legally responsible for ensuring all scheduled repayments are made on time.
Late Fees: Missing a payment may result in late fees charged directly by the BNPL provider.
Debt Collection: Unpaid balances may be passed to debt collection agencies, severely affecting your future credit score.

4. Refunds & Cancellations

Store Policy: All returns remain subject to our standard store refund and exchange policy.
Dynamic Adjustments: Once we process a valid return, the refund is sent directly to the BNPL provider.
Continued Liability: You must continue making scheduled payments until the provider confirms the refund has been applied.

long-Term Store Finance Terms & Conditions

1. Contract and Credit Provider

Third-Party Credit: Long-term credit and monthly instalment plans are provided by our partner finance institutions, not directly by [Store Name]. [1]
Independent Contract: When approved for monthly financing, you enter into a legally binding regulated credit agreement directly with that specific lender. [1]
Prior Agreement: You must review, accept, and sign the credit provider’s specific pre-contractual disclosures before finishing checkout
2. Eligibility & Application Assessment
Stricter Criteria: Long-term finance plans are strictly restricted to UK residents aged 18 or older who meet the credit provider's background criteria.
Hard Credit Checks: Unlike short-term BNPL, applying for long-term financing will prompt a hard credit search on your credit profile.
Credit Reporting: This credit search leaves a permanent footprint on your credit history and may impact your overall credit score
3. Repayments, Interest, and Non-Payment
Fixed Instalments: You are legally obligated to make the agreed fixed monthly payments for the entire length of the loan term.
Interest Rates: Applicable Annual Percentage Rates (APR), compounding interest, or promotional 0% interest windows are explicitly detailed during application.
Missed Payments: Failing to pay instalments on time will result in late fees, default interest charges, and dynamic negative marks on your credit profile.
Debt Recovery: Long-term defaults will result in account transfer to professional debt collection agencies or formal legal action. [1, 2, 3]
4. Delivery, Returns, & Legal Protection
Title of Goods: In standard unsecured store finance, ownership of the purchased goods transfers to you immediately upon delivery.
Return Conditions: Order cancellations and structural merchandise returns remain restricted by our store’s core Refund Policy.
Section 75 Protection: Purchases over £100 funded via regulated retail finance qualify for statutory Section 75 Consumer Credit Act protection.
Payment Continuity: You must maintain your regular monthly direct debits until the credit provider formally confirms your finance account is closed

KLARNA

we offer alternative payment methods including Pay in 30 days and Pay in 3 installments. Payment is handled directly by Klarna Bank

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Klarna's Pay in 30 days and Pay in 3 are unregulated credit agreements. Missed payments may affect your ability to use Klarna in the future

Pay in 3 installments or Pay in 30 days available. T&Cs apply. 18+, UK residents only. Subject to status

CLEARPAY

Clearpay offers instalment plans (4 payments over 6 weeks) for UK residents aged 18+. Late fees apply (£6, capped at £24 or 25% of order value). Missed payments may affect credit access and be passed to debt collectors. Full terms apply.

PAYPAL CREDIT

PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, TW9 1EH. Terms and conditions apply. Subject to status. Representative [23.9]% APR (variable). [Your Business Name] acts as a credit broker and not the lender, and offers finance from a restricted range of PayPal UK Ltd

ZILCH

HAYMANSHOBBYS is not a lender. Zilch is a regulated credit provider. Borrowing more than you can afford or paying late can negatively impact your financial status and credit score. Ensure you can comfortably afford the repayments. Credit is subject to status and eligibility criteria. 18+ and UK residents only. Fees or terms may apply depending on the payment product chosen