SPREAD
THE COST

In the first instance, we recommend that you contact the finance provider directly as they provide the finance for your purchase and follow their complaints procedure:

• Clearpay's complaints process can be found here
• Klarna's complaints procedure can be found at www.klarna.com/uk/feedback-and-complaints/
• Payment Assist can be contacted on 01664 503151 or by using the contact form at www.payment-assist.co.uk/contact-us
• However, if the complaint is about a retail product you have purchased, contact Halfords at www.halfords.com/customer-services/contact-us/
• Alternatively if the complaint is about Halfords Autocentres services, contact Halfords at www.halfords.com/customer-services/contact-us/autocentres/
• If you have any feedback or complaints about your experience with Kriya, please contact Kriya's Customer Support team on complaints@kriya.co

If you find yourself in this position, we recommend speaking to your finance provider as soon as possible so they can help you and provide further advice. Contact details are below.

• Clearpay may be contacted here
• Klarna's customer service team is available 24/7 at www.klarna.com/uk/customer-service
• Payment Assist can be contacted on 01664 503151 or by using the contact form at https://www.payment-assist.co.uk/contact-us. Be advised that Payment Assist operates a fair collection policy and will always endeavour to give you adequate time to resolve any financial difficulties you experience in repaying the loan
• Kriya Collections team: payment.collections@kriya.co

The Money Advice Service provides free and unbiased information and advice about financial services. They can be contacted by phone on 0800 138 7777 or email - enquiries@moneyadviceservice.org.uk or alternatively, via their website: www.moneyadviceservice.org.uk/en.

If you live in Scotland or Northern Ireland, please consider https://www.moneyadvicescotland.org.uk or www.adviceni.net/advice/debt respectively.

Halfords uses a number of partners to provide a number of options to support your cycling and motoring journey:

• Clearpay – split the cost into 4 equal instalments – fee free
• Klarna – split the cost up to 48 months
• Payment Assist – split the cost of your auto repairs, servicing and MOT from 4 to 12 payments
• Trade Credit by Kriya – exclusive to our trade card holders providing 30-day invoicing for all your purchases for retail and bulk purchases

Klarna was founded in Stockholm, Sweeden in 2005 with the aim of making it easier for people to shop online.

Klarna Financial Services Limited is authorised and regulated by the financial conduct authority, and provide a number of different payment options to its customers.

Your eligibility for finance from Klarna will be subject to your individual circumstances. However, you will need to:

• be 18 years or older;
• have a valid mobile telephone number and email address;
• have a UK home address; and
• have a credit/debit card that will be valid for 60 days after placing your order.

If you choose the Pay in 3 interest-free option, Klarna will only conduct a soft-search assessment that will not affect your credit rating. However, Klarna will conduct a full credit check if you apply for over 6 months or more.

Spreading the cost over 3 instalments allows you to divide the cost of your purchase over 3 equal payments with no interest. These payments are automatically collected from the debit or credit card you enter at checkout whether in-store or online. The first instalment will be collected when your order is confirmed, and the second and third instalments are then scheduled for 30 and 60 days later. It is important when you apply that your credit/debit card will be valid for at least 60 days thereafter to avoid any issues with payment.

If Klarna is unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this second payment attempt fails, Klarna will issue you with a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.

Once your Klarna account is set up, you will receive emailed monthly statements. You are responsible for making the agreed repayments on time and in full. You can choose to make a manual payment each month or set up automated direct debit payments via your online Klarna account or the Klarna app.

Go to www.klarna.com and log in to access your Klarna account, or if you have any questions regarding your account, contact Klarna customer support team on 0808 189 3333.

If you miss a payment or don’t pay in full, Klarna will charge £12 for each missed payment.

Yes. In order to validate your identity, Klarna reserves the right to ask you a number of questions about your personal circumstances. These questions are nothing to worry about - they are simply an added level of security to protect you from identity theft. You can also be assured that Halfords will not have access to this information.

Once Klarna receives confirmation from Halfords that your purchased goods have been dispatched/received, Klarna will start your Credit Agreement and send you a welcome letter, including your payment schedule by email. The email will be sent to the address you provide when you applied for credit.

If you haven’t received an email within 10 days of receiving your goods, please check your ‘junk’ email box. If you still cannot find the documents, please contact Klarna’s Customer Service team on 0808 189 3333 so that they can check they have the right contact details for you.

Once we have processed your cancellation or return, Klarna will process a refund in five to seven working days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made.

If your goods have not been received, contact Halfords to check your order and delivery status. You can also contact Klarna’s Customer Service team on 0808 189 3333 so that they can postpone the due date of your payment.

If you have returned your items and not received your refund please contact Klarna’s Customer Service team on 0808 189 3333 who will be able to help.

Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.

The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.

Get the app to sign up. No long applications. Have your email, phone number, address, DOB and debit/credit card handy.

Choose Clearpay at checkout and pay in 4 interest-free instalments - make your first payment today and the rest over 6 weeks. If you’ve used Clearpay before, just log in to your Clearpay account and then complete your order.

To use Clearpay in-store, download the Clearpay mobile app, set up the Clearpay Card, and use the Clearpay Card with Apple Pay or Google Pay to make a contactless payment at checkout. You will repay us the amount in 4 instalments.

Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details.

Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For in-store purchases you will receive your payment summary once you have successfully transacted.

If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.

You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.

Clearpay orders are delivered within our standard delivery timeframes like any order from www.halfords.com.

Yes, your order value including shipping must be between £30 and £999 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.

No, we cannot accept split payments.

Clearpay purchases follow our standard returns policy for both instore and online transactions. Check with our return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Halfords to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the Halfords has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay’s FAQ page.

Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy.

Halfords Trade Credit is powered by Kriya, a leading provider of business payments.

Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes (FCA reference no: 750199). They are a limited company registered in England and Wales (No. 07330525).

Kriya Finance Limited, 48-50 Scrutton Street, London, EC2A 4XQ. https://www.kriya.co/

To assess your eligibility for using Trade Credit powered by Kriya, a soft credit search is performed against your business, or if you’re a sole trader or partnership – you as an individual. A soft credit check will not impact your credit rating.

If you are eligible, the first time you make a purchase with Trade Credit powered by Kriya, a hard search will be made. This will only happen the first time you use the service. This search will appear on your credit report. Multiple hard searches in a short period of time may affect your credit score.

Kriya offers their services to limited companies, limited liability partnerships, limited partnerships, government entities and sole traders. To be considered, your business must have been trading for a minimum of three months.

Using Trade Credit powered by Kriya is free. There are no transaction fees and no interest charged.

However, if you are overdue in paying your invoice (at the end of the following month) you may be subject to a late payment charge. Late payments can negatively impact your Trade Credit powered by Kriya spending limit.

Halfords have partnered with Kriya to provide business customers with a spending limit and flexible payment options that can be used online, in-store, and for wholesale orders.

The way this works is that the cost of your order is covered upfront by Kriya, and you have until the end of the following month to repay the balance.

Kriya has provided a bank account in Halfords’ name specifically for Trade Credit orders. Once payment for your order is due, you’ll be required to pay the balance into this bank account.

For Halfords wholesale orders the details will be on your invoice. For online orders from halfords.com or in-store, the details will be on the confirmation and reminder emails you receive from Kriya.

Please note, paying any other Halfords account back directly could mean your spending limit is placed on hold and late payment fees may apply.

We offer common business-to-business payment methods, including bank transfers and direct debits.

Kriya determines your spending limit through a quick credit and fraud risk assessment using your business's name and address. Kriya check various sources like Companies House, but don’t worry—this won't impact your credit score or your business’s credit rating.

To request a spending limit increase, please contact Kriya at kriyapaymentsrisk@kriya.co. Kriya may ask for additional information if needed to process your request.

If you miss the due date, you will receive a reminder email. Please note that late payment fees may apply if invoices remain overdue for an extended period.

Yes, payment can be made at any time during the payment terms. Paying prior to the due date will free up your spending limit faster, enabling you to place more orders.

If you accidentally overpaid, email Kriya at support@kriya.co. Kriya may request additional information to process the refund quickly and efficiently.

Once Halfords has processed your cancellation or return, Kriya will process a return in five to seven working days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made. If a return has been made the invoice will be updated before payment is needed.

Your order might be declined for one of the following reasons:

1. Identification Issues: Kriya are unable to identify your company due to insufficient information. To avoid this, please ensure you use your full legal name, date of birth and registered address.
2. Outstanding Overdue Invoices: You may have overdue invoices with Kriya.
3. Unsuccessful Credit Check: The credit check for your spending limit was unsuccessful.

If you need assistance, please contact Kriya’s support team at support@kriya.co.

Payment term information can be found on your Halfords invoice or confirmation and reminder emails. If you still require this information, please contact Halfords or reach out to Kriya at support@kriya.co and they will be happy to assist.

Typically, two types of email reminders are sent out to keep you informed about repayments for your invoices:

• Pre-Due Date Reminder: sent prior to an invoice being due to give you a heads-up.
• Past Due Date Reminder: sent if an invoice has not been settled by the due date.

If you have already paid the full invoice amount and still received a reminder, please contact Kriya at support@kriya.co with your payment receipt, and they will investigate the issue for you.

Please get in touch with Kriya’s support team on support@kriya.co to let them know and they will coordinate with Halfords to amend your payment schedule.

If you have returned your items and not received your refund please contact Kriya’s Customer Support team at support@kriya.co who will be able to help you.

No, you can use Trade Credit powered by Kriya whenever it suits you.

Kriya is providing Halfords with a payments solution. Kriya is not supplying any goods or services to the buyer. As such, Kriya is not required to fill in any supplier onboarding forms or contracts directly with Halfords buyers. In this instance, Halfords should be onboarded as your supplier.

In Halfords Autocentres and National Tyres and Autocare, we can introduce you to a finance provider called Payment Assist who offer a Buy Now Repay in 7 months option on bills over £99, a 4 payment interest free option on bills over £30, and interest-bearing options when you pay in 6 or pay in 12, on bills over £99. Please be advised that Payment Assist may choose to conduct a full credit check with any of their products – you will be asked to confirm your acceptance before they proceed.

Payment Assist Ltd is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services Register under firm registration number 622544.

You must have a UK based debit card. Credit cards and certain debit cards (including prepaid cards) are not accepted.

The deposit is preset as a percentage of the total amount, but you can contact Payment Assist directly after you've completed your transaction if you wish to pay an additional amount to reduce the remaining payments.

Yes you can.

Yes, simply contact Payment Assist, and they will be able to assist you further.

No, a new one has to be set up, as you will only have signed for the original.

Payment Assist run a variety of checks, some of which may be recorded on a customer's credit records as a hard check. During the application the customer will be fully informed of any checks that will leave a record at each stage.

The maximum amount on a Payment Assist plan is £3,000.