Outdoor and Cycle Concepts Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 798157) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Unit 11, Kemble Business Park, Crudwell, Malmesbury, Wiltshire, SN16. Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.

Now you can pay in 3 or 12 months

We want to give you payment options that suit your budget.

Whether you're purchasing a tent for your next camping trip or a pair of walking boots for the hills,

with Klarna's pay later options you can get out there sooner than you think.


How does it work?

Step 1

Add your item(s) to your basket. Proceed through to the checkout, selecting your preferred delivery option.

Step 2

Select your preferred Pay in 3 or Pay in 12 Klarna payment option at the checkout.

Step 3



The first payment will be taken from your card when we dispatch your order. The next two remaining payments will be automatically charged 30 and 60 days later.



Once your payment request is accepted, Klarna will send you an email with payment instructions.


For both options you'll get a notification when your payments are due and when they have been collected. 

What do I need?

1. A UK bank account

2. To be 18 years of age or over

3. A UK residential address

Representative example of Klarna 12 months financing,

12 months 0% promotional rate:

Purchase price 


Deposit amount 


Total amount of credit 


12 months promotional interest rate* 

0% p.a* (fixed) 

Interest amount 



12 months 

Monthly repayments 


Total amount payable 


Representative APR 

18.9% APR Representative  

Risk Warning

*If you do not make your full monthly payment, the interest free arrangement will cease and you'll be required to pay interest on all future payments at 18.9% APR representative.

Late or missing representative payments may have serious consequences for you and cause you serious money problems.

Credit Check

A full credit check will be undertaken on all Klarna applications over 3 months. 

Terms & Conditions

In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you the following payment options. Payment is to be made to Klarna:

Pay in 3 Interest free instalments

Further information and Klarna’s user terms you can find here. General information on Klarna you can find here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's privacy statement. 

Klarna Privacy Policy

In order to be able to offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, in order for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.

General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy.  

Can I pay with Klarna when placing any order?

  • If paying in 3 the minimum spend is £70
  • If paying in 12 the minimum spend is £300


Am I eligible to use pay in 3 with Klarna?

  • You must be over the age of 18
  • You must have a UK registered billing and delivery address
  • Klarna will perform a quotation search with an external credit reference agency to check your eligibility. This is not a full credit check and will not affect your credit rating or be visible to other companies.


How do I pay later and pay in 3 with Klarna?

  • Instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.


Am I eligible to use Spread the cost and pay in 12 with Klarna?

  • You must be over the age of 18
  • You must have a UK registered billing and delivery address
  • You must be approved by Klarna’s affordability assessment


How do I pay in 12 with Klarna?

  • The first time you place an order with pay in 12 you will be asked to apply for a Klarna Account at the checkout phase. Klarna will then carry out an affordability assessment. If you are approved they will then create your account.
  • If you already have a Klarna account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.


How do you pay using Klarna on your website?

  • Add your items to your basket, proceed to payment and select pay later (pay in 3 months) or spread the cost (to pay in 12 months) if your order is over £300.


Can I return an item if I pay with Klarna? 

  • Yes, simply return your item either by post or in-store and Klarna will process your refund.


How will I be refunded if I make a return?

  • You’ll only pay for what you keep. If you return some or all of your order, Klarna will issue you with a new statement as soon as we have processed your return. If you have an upcoming payment due date – sit back and relax. If there is a delay in registering a return Klarna will issue a new payment due date for anything you decided to keep.
  • If you have paid for your order with a card, the refund will be made back to the same card. If you are using Financing, your refund will be available as a positive balance in your account with Klarna. This allows you to purchase again using your account at any participating online stores.  

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