0% Finance Available at Charlies

Buy now and pay over time with Klarna at Charlies

We’ve partnered with Klarna to provide you with a quick and easy way to spread your payment over 12 months. Better still, it’s completely interest free with no hidden costs or application fees and no deposit required.

Offered across a range of garden furniture, BBQ and camping products, your outdoor living never looked so good.

The option to purchase on finance will also be available in the checkout.

How does it work?

Whether you’re in one of our stores or shopping on our website, the products available with interest free credit will be clearly marked. The application is quick and easy, giving you an instant decision. You’ll make your first repayment one month after receiving your order. In our stores please ask a member of staff who will be able to help you, or please call our website team on 0345 077 0708.


Klarna at Charlies



Who are Klarna?

Klana is a Swedish payment service provider, who take responsibility for your payment. Over 60 million customers and 70,000 stores trust Klarna to securely handle their payments.

How does it work?

You’ll be able to split your payments over 12 months with interest free credit and no application fees or hidden costs. Klarna is available in our stores and over the website:

In store: Please speak to a member of the team who can give you more information. The application is quick and easy with no lengthy forms. You’ll get a decision there and then, and if successful you’ll be able to take the product away with you with no deposit necessary. In some cases we may need to order the products in for you – in this situation your first repayment would be one month after you have the products delivered.

Online: Please call one of our website team on 0345 077 0708 for more information. They’ll be able to process the application with you over the phone and arrange for delivery of your products. Your first repayment will be made one month after the delivery of your order.

What details do I need to provide for the application?

If you want to make a purchase with Klarna you need to provide your mobile phone number and your e-mail address. The mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important, that you give us the correct details, as otherwise, you will not receive the payment information and so be liable for late payment fees.

In stores you will need a form of valid identification.

Am I likely to be eligible for interest free credit?

You’ll need:

To be 18 years or over
Have a UK bank account with a good credit history
Have a UK residential address

How do I make a payment?

Klarna will send you an email with instructions on how to make the payment and a link to the payment page. Simply enter your email address into the payment page and follow the instructions. You can contact Klarna’s Customer Service team here for more help: https://www.klarna.com/uk/customer-service

When do my repayments start?

One month after you receive the goods. You’ll be contacted directly by Klarna to arrange this.

Can I make bigger repayments or pay it off in full earlier than agreed?

Yes, Klarna are very flexible with their repayments. You can log in to your Klarna account and alter the amounts as you wish. You must ensure that the full amount is repaid within the 12 months.

Can I return or exchange an order bought with Klarna?

Yes absolutely! We hope you’ll be delighted with your purchase from Charlies but in the unfortunate case that something needs to be returned or exchanged, it wouldn’t matter that you’ve paid with Klarna. Our usual returns policy still applies, which can be read here.

The small print

Charlies Stores Ltd acts as a credit broker and not a lender. Charlies Stores 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. 18’s or over only, finance is subject to status. Terms & Conditions apply.