Online Credit FacilitiesWhateverWheels Limited is authorised and regulated by the Financial Conduct Authority, register number 634652.
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 smart technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose 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 eligibilityYou will only be considered for finance if you:
- Are at least 18 years old
- Are in regular full or part-time employment (minimum 16 hours per week or £5,000 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, CCJs, IVAs or bankruptcies.
- Provide an email address so your documentation can be emailed to you.
Our payment plan optionsWe offer a range of finance options to help you spread the cost of your purchase.
Simply add the purchases to your basket and select 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 decisionYour application will be assessed based on eligibility, credit history and affordability and Klarna will 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, 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 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 Klarna will be able to give you more information.
Repaying the loanYour 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 Klarna. You have the right to repay all or part of the loan early at any time.
CancellationThere is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.
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.
For any other questions please Contact Us.
The legal bit
Terms: WhateverWheels Limited acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ). Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority, FCA registration number 821179. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.
Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.
Please note: The MAXIMUM LOAN AMOUNT is £25000 (after deposit), eg with a 10% deposit, the maximum purchase value is £27777.78. Finance would not be offered where the cart value exceeds this amount
Some of our finance packages may require a minimum deposit which is higher or lower than the 10% used as the example above.
During checkout, you have the option of altering the deposit you pay, subject to the minimum and maximum deposits allowed against the selected finance package and subject to the minimum loan amount of £270
Available Finance Packages
Selected products in our website are available to purchase via finance.
These products are marked with a small logo: Finance Select products with , all other products with and a full example is available to view on the product page itself.
Available finance packages may not be available equally on all products, for example, as our special offers are already discounted, we might not offer our best finance package where special offer products are selected.
Products in our site fall into four finance categories. The finance offered will be determined by whether your chosen product is a "finance select" product and/or a "special offer".
Selecting multiple products may alter the finance package we can offer you and you should note that although a particular finance package is offered when viewing the product, it may not be offered when you select additional items that qualify in a different finance category.
The best finance package we can offer will be displayed when you review your shopping cart.
Finance Select Packages (excludes special offers)
The following finance package(s) are offered to any "Finance Select" products which are not current special offers, subject to the noted minimum spend amounts.
These products are marked with a small logo:
The minimum spend is the minimum total goods value to qualify for the finance package.
Where the package is highlighted, the product which led you to this examples page would qualify.
|Goods||Deposit||Loan||APR||Monthly Payment||Total Payable||Cost of Credit|
|12 Months Interest Free Credit (0% APR)
(Min Spend: £540.00)
|£270.00||0% APR Representative||£22.50*||£540.00||£0.00|
|Low Rate Credit 12 Months (14.9% APR)
(Min Spend: £300.00)
|£270.00||14.9% APR Representative||£24.24*||£320.88||£20.88|
|Low Rate Credit 24 Months (14.9% APR)
(Min Spend: £300.00)
|£270.00||14.9% APR Representative||£12.96*||£341.04||£41.04|
|Low Rate Credit 36 Months (14.9% APR)
(Min Spend: £350.00)
|£297.50||14.9% APR Representative||£10.16*||£418.26||£68.26|
|Low Rate Credit 48 Months (14.9% APR)
(Min Spend: £400.00)
|£320.00||14.9% APR Representative||£8.74*||£499.52||£99.52|
|Classic Credit 36 Months (19.5% APR)
(Min Spend: £300.00)
|£270.00||19.5% APR Representative||£9.75*||£381.00||£81.00|
|Classic Credit 48 Months (19.5% APR)
(Min Spend: £300.00)
|£270.00||19.5% APR Representative||£7.92*||£410.16||£110.16|
Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.
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