How it Works
- We offer our customers the opportunity of paying by instalments on all products on our website providing your total order value is between £649 – £10,000. This is based on a fixed 0% representative APR.
- You can apply for credit by selecting this method of payment at the final stage of the checkout process, you’ll be taken to the Klarna Bank AB (publ) website. This is where your finance application is processed. Assuming your application is accepted you’ll be able to place your deposit and confirm your order right there. The whole process takes about 5 minutes, and everything is done securely online. You will also know if the application has been successful in a matter of seconds.
- If your finance application is accepted and you pay the deposit, your order will come through to rooflights.com and we will send you the goods.
I HAVE BEEN APPROVED – WHAT HAPPENS NEXT?
Once your finance application has been approved you will be able to sign the agreement using e-signature. Your documents will then be emailed to you by Klarna straight away.
HOW DO REPAYMENTS WORK?
Monthly repayments will be taken by direct debit. Your finance agreement starts when we deliver your goods and you receive the ‘despatch confirmation’ from us. You don’t start repaying your loan until a month after you have received your order.
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Unfortunately not. The lowest basket total is £649.
None at all! Once you go through the checkout, you will be directed to our finance partners site, which will ask you to fill in some basic credit check questions. Once completed, they’ll return their decision. The whole process takes on average less than 5 minutes.
No. We work a trusted partner when it comes to finance. Rooflights.com acts as credit broker/intermediary and not as a lender. Credit products are provided exclusively by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority.
The lender may ask for more time to check your credit background and to make a decision, known as a referral. You may have to wait a short amount of time or check again the next day to complete your purchase.
If your finance application has been declined, your order will be cancelled unless you can arrange upfront payment via credit or debit card or PayPal. Our finance partner can discuss any decisions around lending criteria and possible reasons you might have been declined finance on this occasion. Please contact Klarna by telephone on 0800 151 2638 or email firstname.lastname@example.org
Yes, you’ll still be able to apply for our interest free credit offer. However, the decision to lend may be returned as a rejection if our finance provider cannot provide you with credit based on your individual circumstances.
Yes, all of the details for repaying early are included in the terms and conditions that you’ll receive, by email, from the lender.
You could be liable for late repayment fees or your information may passed onto a debt management agency. Your credit score will also be affected negatively. If you have any concerns about your finance repayments, please contact Klarna telephone on 0800 151 2638 or email email@example.com
You’ll need both a UK address and a UK bank account registered at your address to be eligible for our Interest Free Credit offer.
Yes, it depends on the basket amount not the products you have selected. Anything between £649-£10,000 we offer finance with Klarna.
Unfortunately, we’re not able to offer this option to our trade customers. All finance agreements must be registered to a consumer and not a business.
If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again through us or another source. Klarna may also take legal action against you and may apply for a charging order over your home.
No, if you are using Karna, we must deliver the products to the official registered address for the finance application.