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Tools on Finance

Shop the tools you want today and pay for them at a later date

At Toolstop, we want to give you total control over how you choose to pay for your tools. We know that getting the tools you need, when you need them is imperative to the success of any project. That is why we offer Klarna Finance.

Important - As of 1st June 2022, Klarna is introducing a change that will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments. More info can be found at the bottom of this page.


What is

Klarna Finance at Toolstop

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments. In a nutshell, it allows you to shop now and pay later.

Never miss out on that new tool you've had your eye on again 👀


Why use Klarna?

Klarna brings you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.

Why use Klarna?

How it works

Step 1
Add products to your cart and select “Klarna” when you check out

Step 2
Enter a few personal details and you’ll know instantly if you’re approved

Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay

Step 4
You can complete your future Klarna purchases with just one click


Klarna Favourites:


OPTION 1: Pay in 3

3 Interest-Free Instalments

Available on orders from £150 - £750

Interest-free instalments give you the freedom to choose how and when to pay. Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later. We offer this on orders from £150 - £750. There is zero interest and never any fees when you pay on time.

Payment Options at Toolstop

OPTION 2: Finance

9.9% APR Over 12 or 24 Months

Available on orders over £250

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. After you’re approved, manage purchases and set up automatic payments in the Klarna App. We offer this on orders over £250. See example:

Example

Cost of item: £1000 + 9.9% APR

Plan Cost Per Month Total Amount
12 Months £87.67 £1052.08
24 Months £45.90 £1101.70

Klarna Finance is subject to financial circumstances. You must be 18 years or over to apply. Credit is provided by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. If you already have a Klarna Credit account, this purchase will be added to your balance.

Representative example: Representative APR (variable) 9.9% APR with an assumed credit limit of £1,200 and a purchase rate of 9.9% p.a.


How to pay


Pay online or in the app. Review your latest purchases and make payments in the Klarna app or online.

Download the Klarna app

Log in online

Chat with customer service

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.


Who is Klarna?

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments.


How does Pay in 3 work?

Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I eligible for Pay in 3?

If you’re over 18 and pass the soft credit check, you should be eligible to use Pay later in 3, subject to your financial circumstances. Your credit rating will not be affected by using Pay later in 3.


How does Klarna Finance work?

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. We offer this on orders over £250 up to a maximum of £5000. See right for an example.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I eligible for Klarna Finance?

Klarna Finance is subject to financial circumstances. Before applying you should make sure you:

• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Be employed and have an income greater than £7,500 per year


Disclosure

Toolstop Ltd. is authorised and regulated by the Financial Conduct Authority (FCA FRN 737231) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Please note that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

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.


Klarna update June 2022

On 1st June 2022, Klarna is introducing a new change that will provide customers with additional control over their financial lives.

This will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments.

Klarna consumers who make payments on time will show lenders they use credit responsibly, and the financial services industry will be better able to ensure consumers are not building up unsustainable debt with multiple providers. Klarna will do this by reporting BNPL purchases made in the UK to credit reference agencies (CRAs). CRAs store details of consumers’ use of credit and can be used by lenders, such as mortgage or credit card companies, and some BNPL providers including Klarna, when making lending decisions. When Klarna begins reporting to CRAs, other lenders will be able to take into account consumers’ use of Klarna Pay in 30 days and Pay in 3 instalments when evaluating whether to lend to someone. Klarna will share data on purchases settled on time, late and unpaid payments for Pay in 30 days and Pay in 3 instalments purchases made on or after 1st June 2022.

Klarna consumers who make payments on time will see long-term benefits, showing lenders that they use credit responsibly.

Finance Calculator




Shop the tools you want today and pay for them at a later date

At Toolstop, we want to give you total control over how you choose to pay for your tools. We know that getting the tools you need, when you need them is imperative to the success of any project. That is why we offer Klarna Finance.

At Toolstop, we want to give you total control over how you choose to pay for your tools. We know that getting the tools you need, when you need them is imperative to the success of any project. That is why we offer Klarna Finance.

Important - As of 1st June 2022, Klarna is introducing a change that will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments. More info can be found at the bottom of this page.


WHAT IS

Klarna Finance at Toolstop

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments. In a nutshell, it allows you to shop now and pay later.

Never miss out on that new tool you've had your eye on again 👀

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments. In a nutshell, it allows you to shop now and pay later.

Never miss out on that new tool you've had your eye on again 👀


Why use Klarna?

Klarna brings you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.

Why use Klarna?

Why use Klarna?

Klarna brings you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.


How it works


Step 1
Add products to your cart and select “Klarna” when you check out

Step 2
Enter a few personal details and you’ll know instantly if you’re approved

Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay

Step 4
You can complete your future Klarna purchases with just one click

Here’s how it works:

Step 1
Add products to your cart and select “Klarna” when you check out

Step 2
Enter a few personal details and you’ll know instantly if you’re approved

Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay

Step 4
You can complete your future Klarna purchases with just one click


Klarna Favourites:

Klarna Favourites:


OPTION 1: Pay in 3

3 Interest-Free Instalments

Available on orders from £150 - £750

Interest-free instalments give you the freedom to choose how and when to pay. Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later. We offer this on orders from £150 - £750. There is zero interest and never any fees when you pay on time.

Payment Options at Toolstop

OPTION 2: Finance

9.9% APR Over 12 or 24 Months

Available on orders over £250

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. After you’re approved, manage purchases and set up automatic payments in the Klarna App. We offer this on orders over £250. See example:

Example

Cost of item: £1000 + 9.9% APR

Plan Cost Per Month Total Amount
12 Months £87.67 £1052.08
24 Months £45.90 £1101.70

Klarna Finance is subject to financial circumstances. You also must be at least 18. Credit is provided by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. If you already have a Klarna Credit account, this purchase will be added to your balance.

Representative example: Representative APR (variable) 9.9% APR with an assumed credit limit of £1,200 and a purchase rate of 9.9% p.a.


How to pay


Pay online or in the app. Review your latest purchases and make payments in the Klarna app or online.

Download the Klarna app

Log in online

Chat with customer service

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.


Who is Klarna?

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments.


How does Pay in 3 work?

Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I eligible for Pay in 3?

If you’re over 18 and pass the soft credit check, you should be eligible to use Pay later in 3, subject to your financial circumstances. Your credit rating will not be affected by using Pay later in 3.


How does Klarna Finance work?

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. We offer this on orders over £250 up to a maximum of £5000. See right for an example.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I eligible for Klarna Finance?

Klarna Finance is subject to financial circumstances. Before applying you should make sure you:

• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Be employed and have an income greater than £7,500 per year


Disclosure

Toolstop Ltd. is authorised and regulated by the Financial Conduct Authority (FCA FRN 737231) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Please note that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

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.


Klarna update June 2022

On 1st June 2022, Klarna is introducing a new change that will provide customers with additional control over their financial lives.

This will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments.

Klarna consumers who make payments on time will show lenders they use credit responsibly, and the financial services industry will be better able to ensure consumers are not building up unsustainable debt with multiple providers. Klarna will do this by reporting BNPL purchases made in the UK to credit reference agencies (CRAs). CRAs store details of consumers’ use of credit and can be used by lenders, such as mortgage or credit card companies, and some BNPL providers including Klarna, when making lending decisions. When Klarna begins reporting to CRAs, other lenders will be able to take into account consumers’ use of Klarna Pay in 30 days and Pay in 3 instalments when evaluating whether to lend to someone. Klarna will share data on purchases settled on time, late and unpaid payments for Pay in 30 days and Pay in 3 instalments purchases made on or after 1st June 2022.

Klarna consumers who make payments on time will see long-term benefits, showing lenders that they use credit responsibly.