Finance Options

Buy now. Pay later.

You can Buy now and pay later. We offer popular finance options from Klarna.  

How it works:

Step 1) Choose your fabulous item and add to cart.

Step 2) Fill in your billing and shipping address.

Step 3) In Payment Options, select "Klarna. Pay later". Please note that your order information will be shared with Klarna in order for them to proceed with the payment set-up.

You will be able to choose from 2 finance options:

  • Pay In 3 Interest-Free Instalments: Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments every 30 days. No interest to pay as long as automatic payments cleared on time. Note: This search is not a full credit check and it will not affect your credit rating.
  • 12 Months Finance (Not Interest-Free): Pay over 12 months. Subject to financial circumstances. You must be at least 18. Credit provided by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. If you already have a Klarna Credit account, this purchase will be added to your balance. Representative example: Representative APR (variable) 18.9% APR for upto £1,200.

Klarna Frequently Asked Questions:

Read more about Klarna

Click here for Frequently asked questions for Pay in 3 instalments

Click here for Frequently asked questions for Pay in 12 months

For queries with your Klarna finance application, we recommend that you contact Klarna directly. This is because we would not have access to your application due to data protection. Click here for Klarna Customer Service


  • WATCHO LTD acts as a credit broker, not a lender, and offers credit products from Klarna and V12 Retail Finance.
  • WATCHO LTD is authorised and regulated by the Financial Conduct Authority under FRN 744297. Credit is subject to age and status.
  • WATCHO LTD is registered in England and Wales, company registration number 7999091.