Finance

WANT IT, GET IT, RIDE IT... With H20% Finance.

Thinking of choosing finance? Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Klarna whose smart technology lets you apply for and complete the loan application quickly and entirely online. Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose Finance. The quick application form should take no more than a couple of minutes to complete and you’ll often receive an instant decision. Easy!

Check your eligibility... 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 year, 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 UK bank account capable of accepting Direct Debits

Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Provide an email address so your documentation can be emailed to you.

Our payment plan options... We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over  6, 9, 12, 24 or 36 months. The value of the loan needs to be over £285 and you can choose a deposit of up to 50% of the value of the goods. (Spend Values apply) Use our finance calculator embedding on every product page that's eligible for finance to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

0% finance over 12 months Example

Total order value = £600

10% deposit = £60

The total amount of credit = £540

Duration = 12 months

Representative APR = 0%

Interest charged = £0

12 monthly payments of = £45

Total amount payable = £600

14.9% finance over 24 months Example

Total order value = £599

1% deposit = £5.99

The total amount of credit = £593.01

Duration = 24 months

Representative APR = 14.9%

Interest charged = £90.12

24 monthly payments of = £28.46

Total amount payable = £683.13

0% Finance options and spend thresholds currently available are listed below. Deposits available from 10% to 50%. (Min Deposit increases with duration)

12 Months 0% Finance activates from a spend of £285 or greater

18 Months 0% Finance activates from a spend of £749 or greater

24 Months 0% Finance activates from a spend of £749 or greater 

36 Months 0% Finance activates from a spend of £749 or greater 

Simply add the purchases to your basket and select Finance at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete. Often with an instant decision

Finance decision... Your application will be assessed based on eligibility, credit history and affordability and Klarna will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Klarna will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive. In a few cases, your application may be referred to a lender for manual assessment and 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 and the lender will be able to give you more information.

Repaying the loan... Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation... There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

H20 Sports Ltd is authorised and regulated by the Financial Conduct Authority, register number 5899208 and act as a credit intermediary.

H20 Sports Ltd acts as a credit broker/intermediary and not as a lender. H20 Sports Ltd is authorised and regulated by the Financial Conduct Authority. Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services  Authority, with limited supervision by the Financial Conduct Authority.