28/08/2013
Maintaining your vehicle is crucial for safety, reliability, and ensuring its longevity on the road. However, unexpected repair bills or the cost of a comprehensive major service can sometimes put a strain on your finances. At Halfords Autocentres and National Tyres & Autocare, we understand these challenges, which is why we offer a range of flexible payment solutions designed to make essential car care more affordable. Our goal is to ensure your vehicle gets the attention it needs without compromising your financial well-being, allowing you to spread the cost of services and repairs over manageable instalments.
When it comes to keeping your car in top condition, routine servicing is paramount. A major service, in particular, is a comprehensive check-up that goes beyond the basics, addressing critical components and fluids to prevent future issues and maintain your car's performance. While the benefits are clear, the upfront cost can sometimes be daunting. This is where our flexible finance options come into play, providing a practical solution to manage these expenses effectively.
- Understanding Your Flexible Finance Options at Halfords Autocentres
- Detailed Finance Options for Halfords Autocentres & National Tyres
- How to Apply for Flexible Finance at Halfords Autocentres
- Important Considerations: Terms & Conditions
- Frequently Asked Questions About Finance for Car Services
- What is the minimum spend required to use finance options?
- Are all car services and repairs eligible for flexible finance?
- What happens if I miss a payment?
- Do I need a credit check to qualify for these finance options?
- Can I use these finance options for parts and accessories purchased in-store?
- Can I pay off my finance early?
- Conclusion
Understanding Your Flexible Finance Options at Halfords Autocentres
At Halfords Autocentres, we believe that everyone should have access to the necessary vehicle maintenance and repairs. To facilitate this, we've partnered with trusted finance providers, Klarna and Payment Assist, to offer various plans that suit different budgets and needs. Whether you're facing a sudden repair or planning a scheduled major service, these options allow you to spread the cost, turning a large one-off payment into smaller, more manageable instalments. This approach helps alleviate financial pressure, ensuring your car remains roadworthy and reliable.
These finance options are available for a wide range of services, including MOTs, full car services, tyre replacements, brake repairs, and more extensive diagnostic work. The key benefit is the ability to address immediate car needs without delay, preventing minor issues from escalating into more expensive problems down the line. By offering these flexible payment solutions, we aim to provide peace of mind, knowing that expert car care is always within reach.
Payment Assist: Spreading the Cost Seamlessly
Payment Assist offers straightforward, interest-free (for certain plans) and interest-bearing finance options for your car service and repair bills. It's designed to help you manage significant expenses by breaking them down into more digestible payments. This can be particularly beneficial for unexpected repairs that arise suddenly, allowing you to get back on the road quickly without a hefty upfront payment.
- Buy Now Repay in 7: This unique option allows you to pay a deposit upfront, with the remaining balance spread across three further payments starting from the seventh month. It provides a significant deferral period for a substantial portion of the cost.
- Pay in 4: Split your total invoice into four equal monthly payments, with the first payment due at the time of purchase. This plan is 0% APR (fixed), making it a highly attractive option for shorter-term budgeting.
- Pay in 6: For slightly larger costs, you can spread your payments over six months. This plan comes with a 18.9% APR (fixed).
- Pay in 12: For bigger expenses, the 12-month option provides even more flexibility, also at 18.9% APR (fixed).
These plans are ideal for various service needs, from routine maintenance to more complex repairs. The clear payment structure ensures you always know what to expect.
Klarna: Flexible Shopping for Your Car
Klarna, a well-known name in flexible payments, also extends its services to Halfords Autocentres, offering several ways to manage your car care costs. Klarna provides both interest-free and interest-bearing options, catering to different spending habits and financial situations. It’s about giving you the power to choose how and when you pay.
- Pay in 30 days: Defer your payment for up to 30 days. This is a 0% APR (fixed) option, perfect if you need immediate service but prefer to pay in full slightly later.
- Pay in 3: Divide your purchase into three equal, interest-free instalments. This 0% APR (fixed) plan is a popular choice for managing smaller to medium-sized costs.
- 6 months: For larger expenses, spread the cost over six months with a 18.9% APR (fixed).
- 12 months: A longer-term 0% APR (fixed) option, specifically for purchases of £999 or more, offering significant financial relief for substantial services.
- 24 months: Spread the cost over two years at 18.9% APR (fixed), suitable for higher value services or repairs.
Klarna's straightforward application process makes it quick and easy to get approved, so you can focus on getting your vehicle back on the road.
Detailed Finance Options for Halfords Autocentres & National Tyres
To give you a clearer picture of how these finance options work, here's a detailed breakdown of the payment structures based on different invoice totals:
Payment Assist Finance Options for Garages
| £30 Total Invoice | £300 Total Invoice | £500 Total Invoice | £1500 Total Spend | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Finance Provider | Duration | Interest Rate | Per Instalment | Total amount payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable |
| Payment Assist | Buy Now Repay in 7 | 0% APR (fixed) | N/A | Only available on purchases of £99+ | £45 Deposit + 3 payments of £85 in months 7,8,9 | £300 | £75 Deposit + 3 payments of £141.67 in months 7, 8, 9 | £500 | £225 Deposit + 3 payments of £425 in months 7, 8, 9 | £1500 |
| Payment Assist | Pay in 4 | 0% APR (fixed) | £7.50 | £30 | £75 | £300 | £125 | £500 | £375 | £1500 |
| Payment Assist | Pay in 6 | 18.9% APR (fixed) | N/A | Only available on purchases of £99+ | £52.57 | £315.44 | £87.62 | £525.73 | £262.87 | £1577.20 |
| Payment Assist | Pay in 12 | 18.9% APR (fixed) | N/A | Only available on purchases of £99+ | £27.42 | £329.08 | £45.71 | £548.47 | £137.12 | £1645.42 |
Klarna Finance Options for Garages
| £30 Total Invoice | £300 Total Invoice | £500 Total Invoice | £1500 Total Spend | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Finance Provider | Duration | Interest Rate | Per Instalment | Total amount payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable | Per Instalment | Total Amount Payable |
| Klarna | Pay in 30 days | 0% APR (fixed) | Total amount to be paid within 30 days | £30 | Total amount to be paid within 30 days | £300 | Total amount to be paid within 30 days | £500 | N/A | Not available on purchases over £1499 |
| Klarna | Pay in 3 | 0% APR (fixed) | £10 | £30 | £100 | £300 | £166.67 | £500 | N/A | Not available on purchases over £1499 |
| Klarna | 6 months | 18.9% APR (fixed) | N/A | Only available on purchases of £99+ | £52.57 | £315.44 | £87.62 | £525.73 | N/A | Not available on purchases over £999 |
| Klarna | 12 months | 0% APR (fixed) | N/A | Only available on purchases of £999+ | N/A | Only available on purchases of £999+ | N/A | Only available on purchases of £999+ | £125 | £1500 |
| Klarna | 24 months | 18.9% APR (fixed) | N/A | Only available on purchases of £99+ | £14.90 | £357.60 | £24.83 | £595.92 | £74.48 | £1787.49 |
*The above table is for illustrative purposes only. When applying you will be provided with the exact repayments for your purchase and circumstances.
How to Apply for Flexible Finance at Halfords Autocentres
Applying for flexible finance for your car service or repairs at Halfords Autocentres is a straightforward process, designed to be as convenient as possible. Whether you're booking online or visiting one of our centres, the steps are clear and simple. We aim to get you approved quickly so your vehicle can receive the necessary attention without undue delay.
In-Centre Application Process:
For those who prefer to arrange their finance directly at the garage, the process is streamlined to ensure efficiency:
- Step 1: Take your vehicle in for service or repair, or discuss your needs with one of our expert colleagues.
- Step 2: Inform our colleague that you wish to utilise flexible credit to spread the cost of your service or repairs.
- Step 3: Our colleague will provide you with a comprehensive information leaflet detailing all the available finance options from Payment Assist and Klarna, helping you choose the best plan for your situation.
- Step 4: Confirm your preferred finance payment option to proceed.
- Step 5: Once the transaction is initiated by our colleague, you will be prompted to complete the finance application on your mobile device. This quick, secure online process allows for immediate credit assessment.
Should your finance application be declined at any stage, rest assured that you can still proceed with your service using traditional payment methods like card or cash. All applications are individually assessed by Klarna or Payment Assist, and decisions are based on personal circumstances. Information on the credit reference agency used will be provided in the decline email for your reference.
Online Application Process (where applicable):
While the primary focus for Autocentres is often in-person service, some bookings or larger repairs might involve an online element for finance application, especially if using Halfords.com or National.co.uk for booking services where finance is integrated.
Generally, for online applications:
- Step 1: Select your desired service or product and add it to your basket on Halfords.com or National.co.uk.
- Step 2: Proceed to checkout and enter your billing details as required.
- Step 3: Choose 'Halfords Flexible Finance' or the specific finance provider (Klarna or Payment Assist) as your payment method.
- Step 4: Select the duration of your finance agreement, which will also confirm your estimated monthly payments.
- Step 5: Click 'Apply Now'. You will then be redirected to the respective finance provider's platform (Klarna or Payment Assist) to complete your application.
- Step 6: Once your application is approved, your service booking will be confirmed, or your goods will be shipped (for retail purchases).
Important Considerations: Terms & Conditions
Before committing to any finance agreement, it's crucial to understand the associated terms and conditions. Responsible spending is key, and being aware of your obligations ensures a smooth and stress-free experience. Both Payment Assist and Klarna have specific terms that govern their offerings.
Payment Assist Terms and Conditions:
A representative example for Payment Assist is based on a loan amount of £300 repayable over 12 months at an interest rate of 18.9% p.a. (Fixed). This results in a monthly repayment of £27.42 and a total amount payable of £329.08, with a total charge for credit of £29.08. It's important to note that late or missing payments can have serious consequences, potentially affecting your credit rating and making future credit more difficult or expensive to obtain. Late fees may also apply.
To apply for Payment Assist, you'll need a web-enabled device at the point of purchase, or a store colleague can email you the application link. Halfords Autocentres Ltd is authorised and regulated by the Financial Conduct Authority (FRN 755309) and acts as a credit intermediary, offering products from a limited number of finance providers, including Payment Assist. National Tyre Service Ltd also acts as an appointed representative. Please be aware that 'Pay in 4' and 'Buy Now Repay 7' products offered by Payment Assist are not regulated by the FCA. Finance is available to permanent UK residents aged 18+, subject to status and their specific T&Cs.
Klarna Terms and Conditions:
For Klarna, a representative example is based on a loan amount of £300 repayable over 24 months at an interest rate of 18.9% p.a. (Fixed). This leads to a monthly repayment of £14.90 and a total amount payable of £357.60, with a total charge for credit of £57.60. Similar to Payment Assist, late or missing payments can negatively impact your credit rating and incur additional charges.
For Klarna finance, a web-enabled device is required at the point of purchase, or a link can be emailed to you. For Click & Collect purchases (relevant for Halfords Retail), you must bring your driving licence or passport to the store, and details must match your order for verification. Halfords Autocentres Ltd is authorised and regulated by the Financial Conduct Authority (FRN 755309) and acts as a credit intermediary for Klarna Financial Services UK Limited. Note that 'Pay in 30 days' and 'Pay in 3' options are not regulated by the FCA. Finance is available on spends over £30 to permanent UK residents aged 18+, subject to status, T&Cs, and potential late fees.
Always spend responsibly and review the full terms and conditions provided by Klarna or Payment Assist on their respective websites before finalising your agreement.
Frequently Asked Questions About Finance for Car Services
Understanding the ins and outs of finance options can sometimes feel complex. Here are some frequently asked questions to help clarify how flexible payments work for your car services at Halfords Autocentres.
What is the minimum spend required to use finance options?
For Klarna, finance is available on spends over £30. For Payment Assist, while 'Pay in 4' is available from £30, other options like 'Buy Now Repay in 7' and 'Pay in 6/12' typically require a minimum spend of £99 or more, depending on the specific plan and total invoice amount.
Are all car services and repairs eligible for flexible finance?
Yes, generally, all car services, MOTs, and repair work at Halfords Autocentres and National Tyres & Autocare are eligible for our finance options, provided your total invoice meets the minimum spend requirements for the chosen plan. This includes everything from routine maintenance like a major service to unexpected repairs such as clutch replacements or extensive diagnostic work.
What happens if I miss a payment?
Missing payments can have serious consequences. Both Klarna and Payment Assist may charge late fees, and your credit rating could be negatively affected. A poor credit rating can make it more difficult or expensive to obtain credit in the future. It's always best to contact your finance provider immediately if you anticipate difficulty making a payment.
Do I need a credit check to qualify for these finance options?
Yes, all finance applications, whether through Klarna or Payment Assist, are subject to a credit assessment. This involves a credit check to evaluate your eligibility for the finance plan. The decision is based on individual circumstances and criteria set by the finance provider.
Can I use these finance options for parts and accessories purchased in-store?
The information provided primarily focuses on finance options for services and repairs at Halfords Autocentres and National Tyres & Autocare. However, Halfords Retail Stores also offer Klarna finance for products. The specific finance options and terms may vary between retail purchases and garage services.
Can I pay off my finance early?
Most finance agreements allow for early repayment without penalty. This can save you money on interest if you're on an interest-bearing plan. You should check the specific terms and conditions of your agreement with Klarna or Payment Assist for details on early repayment.
Conclusion
The ability to spread the cost of your car's maintenance and repairs offers invaluable peace of mind. At Halfords Autocentres, we are committed to making essential car care accessible and affordable through our partnerships with Klarna and Payment Assist. Whether it's a routine major service or an urgent repair, our flexible finance options ensure that you can keep your vehicle safe and reliable without unexpected financial strain. Don't let car costs hold you back; explore our payment plans today and drive with confidence.
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