Finance & Payment

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Get your items first and pay later - with Klarna
Finance is available on all our items with a minimum total order of £300. And interest-free finance is available on orders above £750.

Representative example: £1000
Instant decision — Just select a plan at checkout
12 months plan
Minimum order value £300
APR
14.9%
Deposit
£150 (15%)
Monthly repayment
£76.31
No. of repayment
12
Total to pay
£1,065.68
24 months plan
Minimum order value £300
APR
14.9%
Deposit
£150 (15%)
Monthly repayment
£40.80
No. of repayment
24
Total to pay
£1,129.17
12 months - interest free
Minimum order value £750
APR
0%
Deposit
£250 (25%)
Monthly repayment
£62.50
No. of repayment
12
Total to pay
£1,000.00
18 months - interest free
Minimum order value £1000
APR
0%
Deposit
£250 (25%)
Monthly repayment
£41.67
No. of repayment
18
Total to pay
£1,000.00
Furniture Choice Limited acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, and terms and conditions apply. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

How to apply
Step 1
Add items to your basket and proceed to checkout.
Step 2
Select from the finance options available.
Step 3
Complete the Klarna application form. You will receive an instant decision.
Step 4
Pay your deposit.
Step 5
Receive your order.
Please note:

To apply for finance, you must be 18 years of age or over, in full or part-time employment, retired or in receipt of an allowance. Your application must be in your name only and delivery must be to your registered address - we cannot deliver to an alternative address.

If your application is declined, you have the option to continue with a credit or debit card payment.

We can only reserve your items once your finance application has been approved and your deposit paid.

You have the right to withdraw from your credit agreement within 14 days following receipt of your order. Full details on how to do this will be included in your agreement.


FAQs (10)

How much do I need to spend to be eligible for finance?

Your total order value must be £300 or over.

Do you offer interest-free finance options?

Yes, interest-free finance is available for all orders over £750.

Do I need to pay a deposit?

Yes, you'll need to pay a deposit by credit or debit card when you place your order. For interest-free finance, it is 25% of the total order value, and for all other finance options it is 15%.

Will there be a credit search?

Yes, Klarna performs a full credit search on all finance applications.

Will shopping on finance affect my credit score?

Shopping on finance may affect your overall credit rating. You can check with credit reporting agencies if you have any queries about your credit score before placing an order with us.

What if my finance application is declined?

You'll still have the option to continue with a credit or debit card, PayPal or bank transfer to complete your order.

When do I start making payments?

You'll start making payments approximately 30 days after receiving your order. Klarna will notify you when it's time to make the payment each month.

What if I want to return the products?

All payments will be refunded via the original payment method used when placing your order.

You can return an item for any reason, free of charge, as long as you let us know within 30 days of receipt and it’s in its original condition. Where possible, please return items in their original packaging.

If you wish to return your item please see our returns page.

How do I manage my Klarna payments?

You'll be able to manage your payments and view your purchases on Klarna.com by logging in to your customer account or through the Klarna app.

What if I need to contact Klarna about my finance?

To speak to Klarna's customer support team via live chat or telephone, and to view more Klarna FAQ's, visit Klarna's Customer Service page.


Still have questions? We're happy to help

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