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Apply for Finance

Keengardener Ltd is pleased to offer finance payment options on orders over £500.

Finance Options Available

Minimum Spend Finance Period Interest Rate Minimum Deposit
£500+ 12 Months 4.9% 10%
£800+ 9 Months 0% 20%
£1000+ 12 Months 0% 20%
£2500+ 24 Months 0% 40%


To help you spread the cost of buying from Keengardener Ltd, we have teamed up with Klarna Bank AB to offer you a convenient and great value payment plan options.

Keengardener Ltd act as credit intermediaries and offer credit products provided by Klarna Bank AB.


Klarna Bank AB is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.


How to Apply

In Person – Apply at our store, where one of our sales staff will assist you with the entire process.

Online (this website) – Please select Apply for Finance as your preferred payment method and you will then be redirected to the Klarna Bank AB website to complete your finance application.

Klarna Bank AB will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.


How Much Can I Borrow?
The minimum lending amount in addition to the upfront deposit is £500 (For example, total purchase price of £500 with 10% deposit). The maximum loan amount is £25,000.


Is A Deposit Required?
Yes. If your credit application is accepted, you will be required to pay a minimum 10% deposit, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself.


What Is The APR?
The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Some examples of the APR include:

£500 (10% deposit) – 12 months – 4.9% APR
£800 (10% deposit) – 9 months – 0% APR


How Are My Monthly Payments Made?
Monthly repayments will be taken via direct debit from your bank account. Klarna Bank AB will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.


Which Products Can I Buy On Finance?
Any products listed on this website with a “Finance” payment option are eligible for finance.


What Is The Repayment Schedule?
You can arrange finance for 9, 12 or 24 months depending on spending criteria.


How Long Before I Have To Start Repayments?
Klarna Bank AB will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.


Can I Pay Off The Loan Early?
Yes, you have the right to repay all or part of the credit early at any time – you should contact Klarna Bank AB for details by phone (

Please note that interest rates will be adjusted accordingly.


How Much Does The Loan Cost?
The total cost of the loan is shown on the finance agreement.


Are There Any Other Charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Klarna Bank AB may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.


Standard Information and Regulatory Status of Klarna Bank AB
Consumer Credit Service is provided by Klarna Bank AB. Klarna Bank AB is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240).

Klarna Bank AB (publ) is regulated by the Swedish Financial Supervisory Authority (SFSA). For more information please visit


How Do I Ask A Question About The Credit Agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Klarna Bank AB on 020 300 50833.


How Long Does It Take To Apply?
The online application takes a few minutes to complete and successful applications are processed straight away.


What Are The Requirements For finance?
You must be over 18 years old and a permanent UK resident with 3 years address history. You must have a UK bank account capable of accepting direct debits.

The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.


Can I Cancel The Credit Agreement?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the Klarna Bank AB notice in writing or by telephone or email. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please post it to Klarna Bank AB. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Klarna Bank AB
Klarna Bank AB (publ). Headquarters: Stockholm, Sweden

Telephone: 020 300 50833
Contact Form: Klarna Customer Services