Payment Methods
Payment options
Credit & Debit payments
You can pay by credit or debit card online, over the phone and in our Shacks.
Google Pay & Apple Pay
We accept Apple Pay and Google Pay on eligible devices.
Klarna
We've partnered with Klarna to offer Klarna Pay Now, Pay in 3 and Pay in 30 Days. All Klarna payments are covered by Klarna's Buyer Protection service. Klarna will provide additional support and dispute services if your products don't match the description provided or there are problems with your deliveries.
Our Slow Finance payment method powered by Klarna is currently undergoing technical upgrades and won't be available until further notice.
Klarna Pay Now
Klarna Pay Now allows you to link multiple bank accounts, credit and debit cards. Rather than paying directly using these and exposing your details, you use your Klarna account and you benefit from enhanced Buyer Protection.
You can use this method (subject to terms and approval) for transactions between £30 and £4000 on the Loaf.com website.
You login to your Klarna account with your unique username, password and two-step authentication and simply pick which card or bank account you want to use. Again, no more having to run around the house searching for your physical wallet and cards!
Klarna Pay in 3
With Klarna's "Pay in 3" option, eligible customers can spread the cost of their payment into three interest-free payments. The first payment will be due at the time of purchase, with the second and third payments being taken every month on the same date.
Klarna will make a decision within a matter of seconds within their app. If you're approved, Klarna will reserve the funds for the first payment on your card or bank account. This means you won't be able to spend these funds elsewhere. Once your items have been shipped, the funds will be released to Klarna and your bank statement will be updated to reflect this.
You can use this method (subject to terms and approval) for transactions between £30 and £2500 on the Loaf.com website.
Klarna Pay in 3 is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score.
Full terms and conditions are available on the Klarna UK website
Klarna Pay Later (30 days)
Using Klarna's Pay Later payment option, you can make your purchase today and pay up to 30 days later interest-free.
Klarna will send you reminders to make payment with details on how to do this. If you'd like to make your payment before the 30 days is up, you can do this through the Klarna app at any stage.
You can use this method (subject to terms and approval) for transactions on the Loaf.com website with no limit.
Klarna Pay Later is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score. A soft credit check will be carried out to ensure that responsible lending standards are being met. You'll be able to see the check on your credit file, but no one else will.
Full terms and conditions are available on the Klarna UK website
PayPal
We've partnered with PayPal to offer you more flexible ways to pay at no extra cost to you.
All PayPal payments are covered by enhanced Buyer Protection offered by PayPal. This means that if an eligible item you've purchased doesn't match our description, doesn't arrive or is damaged, PayPal will reimburse you the full amount for the item plus posting and packaging costs.
PayPal Wallet
PayPal Wallet allows you to link multiple bank accounts, credit and debit cards. Rather than paying directly using these and exposing your details, you use PayPal and you benefit from enhanced Buyer Protection.
You login to your PayPal account with your unique username, password and two-step authentication and simply pick which one you want to use. No more having to run around the house searching for your physical wallet and cards!
Slow Finance
How do I pay with Slow Finance?
We're currently not offering Slow Finance whilst we carry out some techincal upgrades. If you've already used Slow Finance to pay for your order prior to 1st November 2022 when we switched off this payment method, your order will not be affected.
FAQs
Who are Klarna?
Klarna Bank AB is a Swedish bank that provides online financial services. There are over 6 million customers in the UK who have used Klarna to securely handle payments.
Klarna is regulated by the Swedish Financial Supervisory Authority (SFSA) since Klarna has its banking licence in Sweden. However, Klarna is also required to comply with the standards set by the United Kingdom Financial Conduct Authority (FCA) when trading in the UK. Any dispute between a customer and Klarna will be settled by the courts of England and Wales.
Klarna Global HQ: Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID: 556737-0431.
Klarna UK HQ: 33 Cavendish Square, Marylebone, London W1G 0PW. UK Company ID: 08706739.
How can I contact Klarna?
If you would like to contact Klarna regarding your application for finance, or your repayments, you can do so by calling them on 0808 189 3333 (9am - 6pm seven days a week) or by using the live chat facility on the Klarna website.
Is Klarna regulated?
When trading in the United Kingdom, Klarna is required to comply with the standards set out by the United Kingdom Financial Conduct Authority (FCA).
What happens if I can't make a payment?
If you find yourself in a situation where you are unable to make a monthly repayment for Slow Finance, you should notify Klarna's customer service team immediately by calling them on 0808 189 3333 or by using the live chat facility on the Klarna website.
Independent guidance can also be found on the Citizens Advice website if you are experiencing financial difficulties.
What happens if I'm not happy with the service from Klarna?
If you're not happy with the service you've received from Klarna, you should contact Klarna's customer service team immediately by calling them on 0808 189 3333 or by using the live chat facility on the Klarna website. Once Klarna has reviewed your complaint, they will write to you to inform you of their outcome. If you are then unhappy with the outcome, you are entitled to refer the matter to the appropriate regulatory body. Klarna will provide you with the details and explain how the process will work from this point onwards.
What is representative APR?
Experian defines representative APR (annual percentage rate) as the "official rate used to help you understand the cost of borrowing. It takes into account the interest rate and additional charges of a credit offer." The purpose of a representative APR is to enable customers to compare the costs associated with different credit products.
All lenders, whether it's Klarna or an alternative provider, have to tell you what their representative APR is before you sign a credit agreement as specified in the Consumer Credit Act 1974. We have secured a promotional interest rate of 9.9% for Slow Finance. This means that if you're approved, you'll get a rate of 9.9% on your Klarna agreement.
Where this can change is if you miss a payment or pay less than a full monthly installment. Should this happen, and you have not arranged a delayed payment with Klarna, then your promotional interest rate will be replaced by the standard contractual rate of 18.9% per year on the outstanding balance.
About Loaf
Loaf is the trading name of Really Comfy Beds Limited, which is registered in England and Wales under company number 06455834, with registered office address at Unit 8, 69 St. Mark's Road, London, W10 6JG. Really Comfy Beds Limited acts as a credit broker and not a lender and offers credit products provided by Klarna Bank AB (publ). We do not charge you for acting as a credit broker. We do not receive any payment from Klarna for introducing you to them or when you take out a Klarna credit product. Really Comfy Beds Limited is authorised and regulated by the Finance Conduct Authority for the purpose of credit broking (FCA Register - Firm reference number 921429).
About Klarna
Klarna Bank AB (publ) is authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority and Prudential Regulatory Authority. Details about the extent of this regulation by the Financial Conduct Authority are available on request.
Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.