Flexible Car & Gear Finance Options

Facing unexpected car repairs, fancying a new set of tools, or planning a significant upgrade for your vehicle? The thought of a large upfront cost can often be daunting. Thankfully, Halfords and National Tyres & Autocare offer a range of flexible finance options designed to help you spread the cost and make payments more manageable, covering purchases and services over £30. Whether you're shopping in-store, online, or need work done at a garage, there are solutions tailored to your needs, ensuring you can get what you need without breaking the bank immediately.

Understanding Your Finance Options: Retail vs. Garages

We understand that your shopping experience dictates the best finance solution. That's why we've streamlined our offerings based on where you're making your purchase or getting your vehicle serviced. You'll find distinct options available for retail purchases at Halfords stores and online, as well as for automotive services at Halfords Autocentres and National Tyres & Autocare garages. Knowing which category your spend falls into is the first step towards securing the right finance plan.

Halfords Retail Store Finance Options

For those looking to purchase products like bikes, tools, or car parts directly from a Halfords retail store or via our online platform (Click & Collect or Home Delivery), Klarna provides a variety of payment plans. These options are designed to give you flexibility, from short-term interest-free periods to longer-term repayment schedules.

Klarna Payment Plans for Retail

Klarna offers several popular choices, each with its own benefits:

• Pay in 30 days: A straightforward option allowing you to defer payment for a month, with 0% APR. Ideal for immediate needs with a quick repayment plan.
• Pay in 3: Split your purchase into three equal, interest-free instalments, paid every 30 days. Perfect for spreading smaller costs without added interest.
• 6 months: A longer-term option at 18.9% APR (fixed), suitable for larger purchases where you need more time to pay.
• 12 months: Enjoy 0% APR (fixed) over 12 months for significant purchases, making higher value items more accessible.
• 24 months: For even larger investments, spread the cost over two years at 18.9% APR (fixed).
• 36 & 48 months: The longest repayment terms, also at 18.9% APR (fixed), for substantial spends, offering the lowest monthly payments.

Retail Finance Options Overview Table

Below is a summary of the finance options available for Halfords retail purchases, indicating their availability across different shopping methods:

Illustrative Examples for Retail Purchases

To give you a clearer idea of how these plans work, here are some examples based on different total spend amounts. Please remember these are for illustrative purposes only, and your exact repayments will be confirmed during your application.

Garages Finance Options: Halfords Autocentres & National Tyres

When your car needs attention at a Halfords Autocentre or National Tyres & Autocare garage, you also have robust finance options to help manage the cost of repairs, servicing, or new tyres. Both Payment Assist and Klarna are available for these services, providing a comprehensive suite of choices to suit different needs and invoice values.

Payment Assist Options for Garages

Payment Assist specialises in helping you spread the cost of vehicle repairs and services. Their plans are often interest-free for shorter terms, making unexpected garage bills more manageable.

• Buy Now Repay in 7: A unique option where you pay a deposit upfront, and then three further payments are made in months 7, 8, and 9, with 0% APR. This offers a significant initial deferral.
• Pay in 4: Split your invoice into four equal, interest-free payments. One payment is made upfront, and the remaining three are paid monthly.
• Pay in 6: For slightly larger sums, spread the cost over six months at 18.9% APR (fixed).
• Pay in 12: Extend your payments over a year at 18.9% APR (fixed) for more substantial garage bills.

Klarna Options for Garages

Klarna also extends its flexible payment solutions to garage services, mirroring some of the retail options:

• Pay in 30 days: Defer your garage bill for a month at 0% APR.
• Pay in 3: Three equal, interest-free instalments, paid every 30 days.
• 6 months: Spread the cost over half a year at 18.9% APR (fixed).
• 12 months: A 0% APR (fixed) option for a full year, ideal for larger service costs.
• 24 months: For the biggest garage invoices, pay over two years at 18.9% APR (fixed).

Garage Finance Options Overview Table

Here's a detailed look at the finance options available for services at Halfords Autocentres and National Tyres & Autocare:

Illustrative Examples for Garage Invoices

Just like with retail, these examples demonstrate how repayments could look for different invoice totals at the garages. Your actual figures will be provided during your application.

How to Apply for Finance

Applying for finance is a straightforward process, whether you're shopping online for Click & Collect/Home Delivery or making a purchase in-store or at a garage. Here's a step-by-step guide:

For Click & Collect / Home Delivery (Online Purchases)

1. Step 1: Add your chosen products to your online basket.
2. Step 2: Proceed to checkout and enter your billing details.
3. Step 3: Select 'Halfords Flexible Finance' as your payment method.
4. Step 4: Choose the duration of your finance agreement to confirm your payments.
5. Step 5: Click 'Apply Now'. You'll then be redirected to the Klarna website to complete your application.
6. Step 6 (Click & Collect): Take your confirmation email and a valid driving licence or passport to your selected Halfords Retail Store. Ensure your ID details match your order for verification.
7. Step 6 (Home/Work Delivery): Once your application is approved, your goods will be shipped directly to you.

For In-store Purchases / Garage Services

1. Step 1: For retail, take your products to a colleague. For garage services, confirm the work required.
2. Step 2: Inform the colleague that you wish to spread the cost using flexible credit.
3. Step 3: The colleague will provide an information leaflet detailing the available options.
4. Step 4: Confirm your decision to proceed with the finance payment.
5. Step 5: As the transaction is processed, you will be prompted to complete the application on your mobile device (e.g., your smartphone).

Please Note: If your finance application is declined at any point, you can still complete your purchase or service using card or cash. All applications are individually assessed by the finance providers (Klarna or Payment Assist), and decisions are based on your personal circumstances. The credit reference agency used will be detailed in any decline email, should you require further information on your individual credit situation.

Important Terms and Conditions

It's crucial to understand the terms associated with these finance options. Late or missing payments can have serious consequences, impacting your credit rating and making future credit more difficult or expensive to obtain. Late fees may also apply.

Klarna Terms and Conditions (Retail & Garages)

Representative example: 18.9% APR representative based on a loan amount of £300 repayable over 24 months at an interest rate of 18.9% p.a. (Fixed). Monthly repayment of £14.90 and a total amount payable of £357.60. Total charge for credit £57.60.

To use Klarna finance, you'll need a web-enabled device at the point of purchase. Alternatively, a store colleague can email you a link to complete the process remotely. For Click & Collect, a driving licence or passport is required for in-store ID verification. Halfords Ltd (FRN 724263) and Halfords Autocentres Ltd (FRN 755309) are authorised and regulated by the Financial Conduct Authority (FCA) and act as credit intermediaries, not lenders. They offer credit products exclusively from Klarna Financial Services UK Limited. Please note that Klarna's 'Pay in 30 days' and 'Pay in 3' options are not regulated by the FCA. Finance is generally available on spends over £30. Applicants must be permanent UK residents, aged 18+, and subject to status. Terms, conditions, and late fees apply.

Payment Assist Terms and Conditions (Garages Only)

Representative example: 18.9% APR representative based on a loan amount of £300 repayable over 12 months at an interest rate of 18.9% p.a. (Fixed). Monthly repayment of £27.42 and a total amount payable of £329.08. Total charge for credit £29.08.

To access Payment Assist finance, you will also need a web-enabled device at the point of purchase, or a colleague can email you the link. Halfords Autocentres Ltd (FRN 755309) is authorised and regulated by the FCA, acting as a credit intermediary for products provided by Payment Assist. National Tyre Service Ltd t/a National Tyre and Autocare is an appointed representative of Halfords Autocentres Ltd. Payment Assist's 'Pay in 4' and 'Buy Now Repay 7' products are not regulated by the FCA. Finance is available to permanent UK residents aged 18+, subject to status. Terms and conditions apply.

Frequently Asked Questions (FAQs)

What is the minimum spend required for finance?

Finance is generally available on spends over £30, though some specific plans have higher minimums (e.g., £99+ for certain 6-month plans, £199+ for 24 months, £399+ for 36/48 months for retail Klarna, and £999+ for 12 months 0% APR Klarna).

Who are the finance providers?

Our primary finance providers are Klarna and Payment Assist. Klarna is available for both retail and garage services, while Payment Assist focuses on garage services.

Will my credit rating be affected?

Yes, your credit rating may be affected by late or missing payments. Obtaining credit will also involve a credit assessment, which can impact your rating.

Are all finance options interest-free?

No. While options like Klarna's 'Pay in 30 days', 'Pay in 3', and some '12 months' plans are 0% APR, longer-term options (e.g., 6, 24, 36, 48 months for Klarna, and 6, 12 months for Payment Assist) typically have a fixed APR of 18.9%.

What happens if my application is declined?

If your application is declined, you can still proceed with your purchase or service by paying with a card or cash. The finance providers assess applications individually, and the credit reference agency used will be mentioned in your decline email for further inquiry.

Do I need ID for Click & Collect purchases with finance?

Yes, for Click & Collect, you must bring a valid driving licence or passport to the store. The details on your ID must match those on your order for verification purposes.

Can I apply for finance if I'm not a UK resident?

No, finance options are only available to permanent UK residents aged 18 and over.

By offering a comprehensive suite of finance solutions, Halfords and National Tyres & Autocare aim to make essential car maintenance, exciting new purchases, and unexpected repairs more accessible and less financially burdensome. Explore the options and find the plan that works best for your budget and needs.

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