Get smoooth. Shop with us and pay easily with Klarna.

1. Add products to basket

Check finance calculator on products, and add chosen products to your basket

2. Choose ‘Pay with Klarna’

Choose 'Pay with Klarna' at checkout and configure your finance payment options

3. Complete application

Fill out Klarna finance application, you should get a result within minutes!

4. Wait for delivery

If your application has been accepted, we will process & deliver your order as normal

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Klarna whose technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Pay with Klarna. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

Check your eligibility

You will only be considered for finance if you:
• Are at least 18 years old
• You’re in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
• Provide an email address so your documentation can be emailed to you.

Our payment plan options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 3 to 12 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Finance Calculator

Use our finance calculator  on each product, or within the basket/checkout to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Representative examples could be based on the below:

0% finance over 12 months
● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● Representative APR = 0%
● Interest charged = £0
● 12 monthly payments of = £45
● Total amount payable = £600

Paying with finance

Simply add the purchases to your basket and select Pay with Klarna at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

Take a look at our products available with finance and shop now.

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Klarna will usually let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Klarna will set out the terms of your agreement. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your Klarna Bank AB (publ). You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (Viscum) directly. We can cancel the application on your behalf. There should be no need to contact Klarna, but if you need to we will notify you of this.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

View our Returns Policy for more information.

For any other questions contact us on telephone or email.

t: 01709 893 265

e: info@viscum.co.uk

Legal Information

Viscum Water Gardens & Aquatics is an introducer of unregulated credit products provided exclusively by Klarna Bank AB (publ). 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 Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Klarna’s FCA registration number: 821179.

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

Frequently Asked Questions

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 170,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Klarna Finance work?

Spread the cost of your purchase into equal monthly payments with 0% interest, with a flexible deposit from 10-50% and a timeframe from 3-12 months.

How do I use Klarna Finance?

When you shop online, Klarna calculates the finance options available to you product by product.  Simply add the products you want to your basket and choose the Pay with Klarna option at checkout to apply for finance with Klarna.

What do I need to provide to Klarna when I make a purchase and apply for finance?

When applying for finance with Klarna you will need to provide details such as: Full Name, Email Address, Date of Birth, Marital Status, Contact Number, Employment Information, Residential Information and Bank Details required to set up your direct debit. Your Billing address and mobile number are 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 monthly statements and so be liable for late payment fees.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

What happens if I cancel or return my order?

As soon as Viscum Water Gardens & Aquatics have accepted your cancellation/return, then Klarna will make any necessary adjustments your balance and provide further help if needed.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

I still have questions regarding payment.

Visit Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.