Financing Options
For customers in the UK we offer several options of financing.
Klarna
'Pay in 3 instalments' by Klarna allows our customers to spread the cost of their purchases into 3 interest-free instalments.
'Pay Later' by Klarna allows you to receive your order up front and get up to 30 days to pay without any interest and fees.
Klarna accept all major debit and credit cards. Prepaid cards are not accepted.
Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions
Clearpay
'Pay in 4 instalments' by Clearpay allows our customers to spread the cost of their purchases into 4 interest-free instalments over six weeks.
Clearpay accept all major debit and credit cards. Prepaid cards are not accepted.
Please use Clearpay responsibly. Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. You must be 18+ and a permanent UK resident (excl Channel Islands). T&Cs and other eligibility criteria apply.
Ensure you can make repayments on time. Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £36 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency.
Laybuy
'Pay in 6 instalments' by Laybuy allows our customers to spread the cost of their purchases into 6 interest-free instalments over six weeks.
Laybuy accept all major debit and credit cards. Prepaid cards are not accepted.
Laybuy is an interest-free credit product allowing you to pay for your purchase over 6 equal weekly instalments. Missed payments will show on your credit file, potentially making credit harder to obtain and will result in late fees being added to the debt.
How do the financing methods work?
All financing methods perform a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Klarna, Clearpay and Laybuy assign your finance limit and you can begin shopping immediately.
Klarna - Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, at no extra cost. You can pay via credit or with debit card in Klarna app or by logging into www.klarna.com/uk
Clearpay - All Clearpay customers are required to make their first payment at the time of purchase. The remaining three payments are deducted automatically every 2 weeks in instalments from your selected payment method. If you would like to make additional unscheduled payments before they are due, you may log in to Clearpay to make your payments early. Clearpay will then adjust the amount owed accordingly. You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
Laybuy - The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
How do I use financing methods (Klarna, Clearpay and Laybuy)?
Just shop spawellnessmagazine and checkout as usual. At checkout, choose which financing method you would like to use. You will be directed to their website to register and provide payment details (visa or MasterCard). If you’ve used your chosen finance method before, just log in to your account. Then complete your order – it’s that easy!