Finance Information - UK Bathrooms

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UK Bathrooms Express

Bathroom Finance

We provide two finance options for purchases through ukbathrooms.com; 0% Interest Free when you spend £1,500 Inc. VAT (excluding carriage) and our standard 14.9% rate when you spend over £250.00 Inc. VAT (excluding carriage). This is not available to orders placed over the phone or on quotes provided by ukBathrooms.

Yorkshire Bathrooms & Kitchens Ltd (ukBathrooms) 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. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

Who can apply for finance?
  • Applicant must be 18 years or over at the date of application
  • Permanent UK Resident – minimum 3 years continual address history
  • Applicant must be either/or:
    • in regular, permanent employment working a minimum of 16 hours per week. (Including students)
    • Retired from regular employment. Minimum age 50
    • Self-Employed
    • Armed Forces
  • Must hold a valid UK bank account capable of accepting Direct Debits
How much can I borrow?

When checking out of your basket, just fill out your personal details and then opt to pay by Klarna with our easy online application form. You can then be approved for a loan of up to £25,000 to use for the bathroom items you wish to purchase. Minimum order is £250.00 Inc. VAT (excluding carriage) for our 14.9% option and £1,500 Inc. VAT (excluding carriage).

Do I need to pay a deposit required?

Yes. A minimum of 10% deposit is payable by credit or debit card upon acceptance of your Loan.

How are my monthly payments paid?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

How long does the application take?

The application typically takes between 2-3 minutes to complete online. You receive an instant decision on your application online.

What type of equipment can I purchase?

You can purchase any items from our web site as long as the basket total is over £250.00 (excluding carriage).

What length of repayment is available?

You can choose between 6, 12, 24, 36 and 48 monthly loan repayments.

How do I apply?

You can only apply online, this service is not available over the phone or to pay for a quote.

Who is my Credit Agreement with?

ukBathrooms uses Klarna Bank AB (publ) to offer finance on ukbathrooms.com. Klarna is a trusted UK specialist retail finance providers. Klarna were selected for their reputation and incredible customer service. If your application is successful and Credit Agreement would be with Klarna Bank AB (publ) and not ukBathrooms.

For more information please visit https://www.klarna.com

Can I pay my agreement off early?

You can settle your loan agreement at any time. Simply write to Klarna Bank AB (publ) and they will calculate and send you, your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act. Klarna Bank AB (publ) is licensed by the Financial Conduct Authority.

Order Value£750.00
Deposit Amount£150.00 (20%)
Loan Amount£600.00
Term12 Months
APRTypical 0%
Monthly Payment£50.00

ukBathrooms in partnership with Klarna offer a comprehensive range of 12 – 48 monthly repayment options with APR starting from 0% for 6 months and then 14.9% on other orders. Finance Options are available on online orders only over £500.00 (excluding carriage).

This is not available to orders placed over the phone or to quotes provided by ukBathrooms.

Decisions are normally instant and no forms are required, as all applications are e-signed online.

All finance agreements are processed by Klarna Bank AB (publ). All credit is provided subject to status.

Cancellation - Full

You can return all the items ordered on finance and the policy can then be cancelled (collection charges will be applied if organising ukBathrooms couriers). This will incur a 10% handling fee to cover the cost of the finance agreement.

Cancellation - Item(s)

If you wish to cancel an item ordered on finance but keep the rest of the order, we will refund the cost of the item by means of a cheque and the finance agreement will remain in place between you and the finance company. A collection charge will be applied if using ukBathrooms couriers. A 10% handling fee will be charged to cover the cost of the finance agreement.

Item Replacements

We will replace any faulty or damaged item ordered on finance free of charge.

Cooling-off period

You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact ukBathrooms and pay for the order via an alternative means (i.e. a credit card/bank transfer). ukBathrooms will then cancel your credit agreement and Klarna will return your deposit. If you don't wish to keep the goods, then you must return your order to ukBathrooms in the same condition that you received it, at which point ukBathrooms will cancel the agreement and Klarna will return your deposit. There will be a collection charge if using ukBathrooms couriers.

Legal Details

Klarna Bank AB (publ) is licensed by the Financial Conduct Authority For more information please refer to our frequently asked questions or visit https://www.klarna.com