Our Finance Options

Available on orders £59-£999.99

Buy now, pay later with Klarna on orders £59-£999.99

Klarna gives you the chance to try before you buy. Shop now but pay later. Just select ‘Pay later with Klarna’ at the checkout.

• 30 days to pay OR Pay in 3 equal payments
• No account sign up needed
• You must be 18. Subject to financial circumstances.
• No credit application
• Klarna emails payment instructions straight to you


Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Please note that if a payment is missed Klarna applies an interest rate of 18.9% APR.


How does Pay Later in 3 work?

Pay Later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Clogau and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.


Am I eligible for Pay Later in 3?

To use Pay Later in 3 you must be at least 18. Whilst this option is widely promoted, Pay Later in 3 is subject to your financial circumstances. When choosing Pay Later in 3, our assessment will not affect your credit rating.


How can I increase my chances of being accepted for Pay Later in 3?

Klarna is unique and offers Pay Later in 3 based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay Later in 3 by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.


What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay Later in 3, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.


Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Clogau run credit searches against you that could impact your credit rating.


Why have I not been offered Pay Later in 3?

Although Pay Later in 3 is widely promoted it is not always universally available. The Pay Later in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.


What are my payment options with Klarna?

Payment for your Pay Later in 3 will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment.


What happens if I cancel or return my order?

As soon as Clogau have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.


What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay Later in 3 purchase at Clogau from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.


I have been asked to go to Klarna's site. Is this correct?

You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk


Is my payment information safe?

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


Can I pay before the due date?

No, this is not currently possible for Pay Later in 3 purchases.


Have you received my payment?

Klarna will notify you via email and push notification when a payment is due and when this has successfully be collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com/uk


What happens to my statement, when I've returned the goods?

Once Clogau has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.


I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Clogau to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.


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 5-7 business days.


I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.


I haven’t received an email with my statement/payment information.

You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.


I still have questions regarding payment, how can I get in touch?

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


How does Pay Later work?

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, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk


Am I eligible for Pay Later?

To use Pay Later you must be at least 18. Whilst this option is widely promoted, Pay Later is subject to your financial circumstances. When choosing Pay Later, our assessment will not affect your credit rating.


How can I increase my chances of being accepted for Pay Later?

Klarna is unique and offers Pay Later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay Later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay Later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.


Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Clogau run credit searches against you that could impact your credit rating.


Why have I not been offered Pay Later?

Although Pay Later is widely promoted it is not always universally available. The Pay Later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.


What are my payment options with Klarna?

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay Later payment option, where you can pay for the goods once you have received them via credit card or debit card. What happens if I cancel or return my order? As soon as Clogau have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.


What happens if I don’t pay for my order?

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due - you'll receive email reminders to pay - and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected. If you have chosen to Pay Later, Klarna will send you an email with further details on how3 to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.


What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important, that you give us the correct details, as otherwise you will not receive the payment information.


Is my payment information safe?

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


Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.


Have you received my payment?

If you pay by card, Clogau will confirm your order right away. If paying by Pay Later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging into your account at the Clogau website or by calling our sales team on 0345 606 88 77 (lines open Mon-Fri, 9am-5pm).


What happens to my statement, when I've returned the goods?

Once Clogau has received the return (partial or full) and you have received our confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.


I've received a statement, but I've not yet received my goods.

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call Clogau to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.


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 have asked for a refund. How will I be refunded?

If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.


I haven’t received an email with my statement/payment information.

If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders and be able to make payments.


I still have questions regarding payment, how can I get in touch?

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



Available on orders £1,000+

Up to 2 years interest free on orders £1,000+

Put down a 10% deposit today and then spread the cost of any order worth £1,000 or more for up to 24 months interest free with Hitachi's PayByFinance.

Available both online and in store, choose the PayByFinance option during your payment and select how you'd like to spread the cost of your order, whether it's over 6, 9, 12, 18 or 24 months, interest free.


How do I choose to PaybyFinance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showroom / store.


Interest Free Finance Example

Up to 24 months 0% APR representative interest free finance. Spread the cost with our interest free finance available online and in store. Our simple finance options allow you to spread the cost of your purchase over 6, 9, 12, 18 or 24 months.


All you need to do is:

  • Spend a minimum £1000 and above
  • Place a 10% deposit
  • Minimum finance amount after deposit £900 and above

We offer 5 simple finance options to help you spread the cost of your purchases

  • 6, 9, 12, 18 or 24 months interest free finance on orders of £1000 and above

The table below shows you how much monthly repayments will be based on the total order value.


Order Value Term (Months) Deposit (10%) Monthly Payments
£1000 6 £100 £150
£1200 6 £120 £180
£1400 6 £140 £210
£1200 12 £120 £90
£2000 12 £200 £150

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse / partner in order to process your application.


When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.


Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.


Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Clogau you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form.

Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.


Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Clogau will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.


Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance.

Scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.


If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.


How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.


If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.


Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.


Can I change the order after I have completed finance?

In the event of an exchange or a change to the order within the first 14 days which results in the order value falling below £1,000 (the minimum order requirement for interest free credit), then the initial finance would be cancelled by Clogau and any discrepancy in value would need to be paid via an alternative method in full directly to Clogau