We are very pleased to have partnered with Klarna. Together, we now offer 12 Month Interest-Free Finance (0%APR), 24 Month Classic Credit (9.9%APR) and 36 Month Classic Credit (12.9%APR) to customers placing orders of more than £500. Klarna provide an instant decision on finance requests after a simple online form has been completed. How to Apply Step one – Add products over the value of £500 to your basket and click checkout in the pop-up which will appear in the top right-hand corner of your screen. Step two – Enter your billing and delivery details, and select “Apply for Finance” as your payment method in the right-hand column. This will redirect you to Klarna’s finance calculator where you can confirm the terms of your finance agreement, including deposit amount and length of repayment. Step three – Click the “APPLY ONLINE NOW” button underneath the finance calculator and fill in the online form. This form should only take a few minutes and a decision will be given instantly. Applications which are approved by Klarna and have the deposit paid before 14:30 will in most cases be dispatched that day. *PLEASE NOTE: Finance orders must be sent to the address provided in the finance application form. An alternative address cannot be used. Finance Examples The following finance examples are based on an Athlon Helos BTR 8-34×56 FFP Illuminated SF Riflescope costing £680.00 being purchased on finance. 12 Months Interest-Free Finance (0%APR) with 10% Deposit Purchase Price: £680.00 Deposit to Pay: £68.00 (10%) Amount of Credit: £612.00 Monthly Payments: £51.00 Amount of Interest: £0.00 Number of Monthly Payments: 12 Total Amount Payable: £680.00 Rate of Interest (Fixed per annum): 0% (Fixed) APR Representative: 0% 24 Months Classic Credit (9.9%APR) with 30% Deposit Purchase Price: £680.00 Deposit to Pay: £204.00 (30%) Amount of Credit: £476.00 Monthly Payments: £21.85 Amount of Interest: £48.41 Number of Monthly Payments: 24 Total Amount Payable: £728.41 Rate of Interest (Fixed per annum): 9.9% (Fixed) APR Representative: 9.9% 36 Month Classic Credit (12.9%APR) with 50% Deposit Purchase Price: £680.00 Deposit to Pay: £340.00 (50%) Amount of Credit: £340.00 Monthly Payments: £11.32 Amount of Interest: £67.68 Number of Monthly Payments: 36 Total Amount Payable: £747.68 Rate of Interest (Fixed per annum): 12.9% (Fixed) APR Representative: 12.9% LEGAL OpticsWarehouse Ltd. acts as credit broker/intermediary and not as a lender. OpticsWarehouse 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.   


Will I Qualify for Credit?
Klarna will conduct the necessary credit checks and references to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.
How Much Can I Borrow?
The maximum lending amount in addition to the upfront deposit is £15,000 (total purchase price of £30,000 with 50% deposit).
Is a Deposit Required?
A deposit is required on all orders and depending on the finance plan selected ranges from 10%, 25% and 50%.
How Are My Monthly Payments Made?
Your monthly repayments will be taken via direct debit from your chosen bank account.
What Type of Products Can I Buy on Finance from Optics Warehouse?
You are able to buy any Optics Warehouse product or products costing £500 or more. This can include optics, thermal, night vision etc.
What Length of Repayment Is Available?
You can select 12, 24 or 36 months repayment options depending on the finance plan selected:
  1. 12-month Interest-free credit 10-50% deposit APR
  2. 24-month classic credit 10-50% deposit – 9.9% APR
  3. 36-month classic credit 10-50% deposit – 12.9% APR
Can I Pay Off My Loan Early?
Yes, please contact Klarna directly 0333 321 6080 in order to make additional payments. Please note that interest rates will be adjusted accordingly.
How do I ask a question about the Credit Agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Klarna on 0333 321 6080 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.
How long does it take to apply online?
The Klarna online application form is fast to complete. Your application is then instantly sent and a decision is typically made in around 10 seconds. Some applications may take longer to process. If for any reason an instant decision can’t be made, you will be notified on screen as part of the application process and also by e-mail, with a follow-up e-mail as soon as a decision is confirmed.
What are the requirements for finance?
You must be a permanent UK resident and able to supply 3 years address history. Employment or retired and receive a gross annual income of at least £10,000. Have a good credit history and own a debit or credit card. You must have a UK bank account capable of accepting Direct Debits. The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.
Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14-day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment. Klarna Klarna Bank AB (publ), 7th Floor, 33 Cavendish Square London, W1G 0PW, United Kingdom Telephone: 0333 321 6080 Website: https://www.klarna.com/uk/ Yes. A credit check forms part of the automated decision-making process.
Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.
Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left-hand side of the screen throughout the credit application form) and on the credit agreement itself.
How do I repay the loan?
Your monthly repayments are collected by Direct Debit.
Can I pay my agreement off early?
You have the right to repay all or part of the credit early at any time – you should contact Klarna for details by phone, e-mail or letter at the following; Klarna Telephone: 0333 321 6080 Website: https://www.klarna.com/uk/
How much does the loan cost?
The total cost of the loan is shown on the finance agreement.
Are there any other charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Klarna may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.
How long before I must start to repay the loan?
Klarna will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.
What APR will I be charged?
The APR is shown clearly on the credit summary (in the top right-hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself.
Standard Information and Regulatory Status of P4L and Close: Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. [minimum deposit for finance orders is 10 percent of the full value of the transaction including postage. If you take finance out on an item which has the available to order text or explains to your before you before purchase that you are back ordering the product this means we personally do not have this item in stock and that we are running the item off a supplier’s stock where delivery could be up 6 weeks fulfilment time.] About Klarna It’s all about smoooth (yes, with 3 ooo’s). Klarna is Europe’s leading payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time – offering a trusted, frictionless and smoooth checkout experience. Klarna works with over 100,000 merchants, including Topshop, Swoon, ASOS and JD Sports in the UK, to offer payment solutions to users across Europe and North America. Klarna has 2,000 employees and is active in 14 countries. To hear the latest information regarding their products, announcements and tips and tricks to help your business, sign up for our newsletter here. 

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