0% Finance from Klarna

0% Finance on purchases over £320

Sports Online Limited 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.

To help spread the cost of larger purchases, we have partnered with Klarna Bank AB (publ) and now offer the option to Pay on Finance at the checkout. If you spend £320 or more online or in store you can choose to spread the cost of your purchase over 6, 9 or 12 months all at 0% APR. For online orders just select the “Pay on Finance” option when you check out, and when buying in store just let us know if you would like to take up this offer (ID Required). 

It's as easy as:

1. Add your products to your basket

2. Select Pay on finance

3. Complete the easy online application

Or visit us instore!                                                                                       

Representative Example

We want our Pay on Finance option to be as easy to understand and straightforward as possible that’s why we are pleased to be able to extend a 0% finance option on all purchases over £320.00. Here’s an example of what you could pay…

0% APR Finance Example


Cash Price


Deposit 10%


Loan Amount


Loan Repayment


Cost of loan


Total Amount Payable


Monthly Payments


Number of Monthly Repayments



*Deposit and payment months can vary dependent on package chosen


Finance Terms and Conditions

If your application is successful, your order could be ready for collection or dispatch in as little as an hour and in-store purchases can be taken away the same day.  Pay on Finance is available over 6, 9, or 12 months, subject to status. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, Klarna Bank AB (publ), if your application is successful you’ll enter into a credit agreement with Klarna Bank AB (publ).

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay in full for the product (unless your cancellation rights apply). 


Who is eligible for finance?

Finance is available on orders of £320 or more, placed on our website and in-store.

You'll need to be:

  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Be able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Klarna Bank AB (publ) - our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature, or visit us in store where we can help you through the application process. It’s important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

- You do not meet the eligibility criteria;

- Adverse credit reference agency information;

- Your credit score;

- You are considered to be overcommitted financially; or

- You’re existing account performance with other lenders.

If you wish to appeal the decision made by Klarna Bank AB (publ), it’s advised you obtain an up to date copy of your credit report before appealing directly to Klarna Bank AB (publ).