Interest Free Credit
Finance is a fantastic way to spread the cost of your purchase. TWS Direct Ltd 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 Services 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. Financeis only available to permanent UK residents aged over 18, sunject to status, terms and conditions apply.
Registered office: Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.
Enjoy it now and spread the cost
Avoid interest when you pay it off within the payment free period
Great for unexpected purchases that you need quickly
Paying with finance
Simply add the purchases to your basket and select Klarna at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Take a look at our products available with finance and shop now
Your application will be assessed based on various factors including eligibility, credit history and affordability and Klarna will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.
Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.
In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.
Repaying the loan
Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Close Brother. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Klarna.
A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Klarna will refund your deposit. They will let you know of any outstanding balance if applicable.
Check your eligibility
Before you apply please note you will only be considered for finance if you:
Are at least 18 years old
Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
Are a permanent UK resident and have lived in the UK for at least 3 years.
Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.