Finance

Lance James has teamed up with Klarna Bank AB to offer you a flexible and affordable option to pay on finance.  The application process is simple and only takes minutes to complete.  Finance is available for products over £500 (including any additional services and delivery option).  The minimum deposit is 10% and you can spread the cost of your purchase over 12, 24 or 36 months.  If your application is successful you will enter into a credit agreement with Klarna UK Ltd.  We reserve the right to withdraw finance on certain products at any time.  

BENEFITS

• Finance is available on all purchases over £500
• Spread the cost of your purchase and minimise your monthly payments
• Choose a higher-specification item for a few pounds more per month
• Fixed repayments for the duration of the agreement 
• Minimum 10% deposit initially required

ELIGIBILITY

To apply for finance you will need to be: 

• 18 or older at the date of application
• A UK resident for 3 years or more/permanent UK resident
• Able to make regular repayments by Direct Debit
• In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment
• Have a debit card or credit card in your name and registered to your address and have a bank or building society current account
• Able to receive delivery at your home address as provided in your finance application

Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

CANCELLATIONS

Should you choose to cancel your credit agreement with Klarna UK Ltd and have already received your goods from us, then you will still be liable to pay Klarna Bank AB, in full, for the product (unless your cancellation rights apply). 

HOW DO I APPLY?

Select the Apply For Finance option when you check out and follow the online prompts.  It is imperative that you use your full name and address and ensure all information is spelt correctly.  Please note, this is an ‘online only’ finance option.  Alternatively please call 01245 698386 and one of our Customer Service team will be happy to assist.

You should get an instant answer on whether your application has been successful. However, in some cases, Klarna Bank AB will need to look at the application in more detail before making their decision.

If your application is successful you will receive an email confirming your order details and anticipated delivery date.  Your order will not be confirmed until the application has been completed and approved.  In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to the home address of the applicant.  

WHY HAS MY APPLICATION BEEN REFUSED?

Applications may not be accepted for a number of reasons: 

• misspelt or mistyped information
• you do not meet the eligibility criteria
• adverse credit reference agency information
• poor credit score
• you are considered to be over-committed financially
• your existing account performance with other lenders

Please note that other conditions may apply and we cannot guarantee that your application will be accepted.  If you wish to appeal a decision made by Klarna Bank AB, you should obtain an up-to-date copy of your credit report before commencing the appeal process.  Due to data protection, all customer appeals must be emailed directly to cbrfcredit@closebrothers.com or telephone 0333 321 6080.

Klarna UK Ltd is one of the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for many years through its industry leading online paperless processing system.  You will enter into a Credit Agreement with Klarna UK Ltd which is administered by Klarna Bank AB who are authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority under Organization number: 556737-0431

Julant Ltd Klarna UK Ltd acts as credit broker/intermediary and not as a lender. Credit products are provided exclusively by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority.