How to spread the cost with interest free payment options

Buy Now, Pay Later Finance Options

We are making it easier for you to buy the garden furniture you love by offering interest free payment options. Spread the cost of your purchase and make your perfect outdoor set affordable now.

Our Finance Options

We offer Buy Now, Pay Later finance options from Klarna and PayPal.

Klarna

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. It offers you to spread the cost of your purchase into equal monthly payments, with 0% interest.*

PayPal

PayPal Pay in 3 is an interest-free loan* that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date.

*Please ensure you pay the amount in full in the time specified, else you will incur charges.

How it works

Simply add the item you want to the basket and go to the Checkout, where you will be given the finance options. Choose to pay by Klarna or PayPal and they will take your order from there. The first payment will be taken with the initial purchase and equal amounts taken later at a fixed time frame.

Who is eligible?

Buy Now, Pay Later Finance is open to those 18 and over, and is subject to your financial circumstances.

FAQs

Why have I not been accepted for Buy Now, Pay Later Finance? Being accepted for Klarna or PayPal Pay in 3 is subject to your financial circumstances, with the companies carrying out unrecorded enquiries (soft credit checks) to assess your financial situation.

What happens if I miss a payment, will I incur a fee? Missing a payment may incur a fee. Talk to the finance provider if you think you will not meet a payment.

Will Buy Now, Pay Later effect my credit score? No, Klarna/PayPal Pay in 3 will carry out soft credit checks to check your eligibility, which will not effect your credit score.

What happens if I return my item purchased with Klarna/PayPal Pay in 3? Once Garden4Less has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna/PayPal if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.

Important Information

PayPal

PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. PayPal Credit: Terms and conditions apply. Credit subject to status, UK residents only, Surflink Systems Limited (FRN 668826 & T.A Garden4Less) acts as a broker and offers finance from a restricted range of finance providers.

PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a an unregulated credit agreement. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details.

Klarna

Garden4Less acts as a credit broker and only offers credit products from Klarna Bank AB. Garden4Less is authorised and regulated by the Financial Conduct Authority. Our registration number is 668826. Credit provided subject to age and status.

Applications from under 18s, students or the unemployed will not be considered.

Representative example: Representative APR (variable) 18.9% APR with an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a.