We’ve teamed up with Klarna
We’ve teamed up with Klarna to make shopping with Team Cycles easier, more flexible, and stress-free. From spreading the cost to paying later, Klarna gives you the freedom to shop your way.
Simple, Smooooth Checkout
Choose Klarna at checkout and you’ll unlock flexible payment options designed to fit your lifestyle.
Pay in 3 Instalments
Split your purchase into three equal payments over 60 days.
No interest. No fees.
Pay automatically with your chosen debit or credit card.
First payment is taken when your order is confirmed, with the next two collected every 30 days.
Financing Options
Need a little longer? Klarna also offers financing so you can spread the cost across monthly instalments.
Quick 2-step application at checkout with an instant decision.
Manage everything easily in the Klarna app.
Choose 6, 12, or 24 months at 0% or up to 36 months at 9.9% APR.
Pay automatically by direct debit.
Clear upfront terms and the option to pay off early anytime.
Klarna Finance Deposit Requirements
Klarna finance purchases over £1,000 will require a deposit:
| Purchase amount | Deposit required |
|---|
| £250-1000 | No Deposit |
| £1000-5000 | 10% min, 50% max |
| £5000-10000 | 20% min, 50% max |
Example – 0% APR on £1,000 purchase
Representative example for £1000 purchase on 12 month 0% APR:
| 12 months promotional rate of interest | 0% p.a. (variable)* |
| Nature and amount of any other charge | £0.00 |
| The total amount of credit | £1000.00 |
| The representative APR | 19.9% APR Representative* on payment defaults |
| Cash/purchase price, including any deposit | £1000, £100 |
⚠️ If you miss a payment, the interest-free arrangement ends and future payments will accrue interest at 18.9% APR. Missing repayments can affect your credit rating and make it harder or more expensive to borrow in the future.
How to Shop with Klarna
Add your chosen items to the basket and head to checkout.
Select Klarna as your payment method.
Complete your purchase and manage payments in the Klarna app.
Why Klarna Makes Shopping Better
View all your purchases in one place.
Pay open balances with ease.
Explore Klarna-exclusive content.
Secure payments with advanced anti-fraud protection.
Access Klarna online at app.klarna.com or via the Klarna app.
Klarna FAQs
What if I make a return?
Klarna will update your statement once the retailer processes your return. Always keep your return tracking number and report the return in your Klarna account to pause payments.
My order arrived damaged, do I still need to pay?
No. Report the problem in your Klarna account to pause payments until the issue is resolved with the retailer.
I haven’t received my order – what happens now?
You won’t need to pay until your order arrives. Report the issue in your Klarna account and contact the retailer for an update.
My Klarna statement doesn’t match my order.
Contact the retailer directly for corrections and report the issue in your Klarna account to pause payments.
What if I don’t pay for my Pay in 3 order?
Klarna will send reminders before each payment is due.
No fees or interest for late payments.
If a payment fails, Klarna will retry several times or issue an invoice.
Repeated missed payments may affect your credit rating, making it harder or more expensive to borrow in the future.
Klarna may involve external debt collection if payments remain unpaid.
Full details are available in Klarna’s terms and conditions.
Final Word
Klarna gives you the power to shop your way at Team Cycles — from interest-free instalments to longer-term finance. Safe, secure, and flexible, it’s the smarter way to get the bike or gear you’ve been eyeing up.