WHAT IS PAY LATER?

When shopping with Finettchi there's no need to break the bank. With Pay later you can pay a fraction of the cost up-front, have the item you desire delivered, then pay the remaining balance over a time period that suits you.

How it works


1. Add your must-have
items to your cart.


2. Enter your details
at checkout.


3. Choose how you want
to split payments


4. Find out instantly
if your approved

Klarna

Spread the cost over 3 months, split into 3 instalments, make your payments monthly.

ClearPay

Spread the cost over 8 weeks, split into 4 instalments, make your payments fortnightly.

LayBuy

Spread the cost over 6 weeks, split into 6 instalments, make your payments weekly.
Who is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 70,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
What are my payment options with Klarna?
If you’re choosing to pay later with Klarna, you can pay for your goods via credit card or debit card.
What do I need to provide when I make a purchase?
If you want to pay using Klarna you need to provide your mobile phone number and email address. All statements will be sent via email. It's important that you provide us the correct details, or you won’t receive the payment information, and consequently, may be liable for late payment fees.
I've been redirected to Klarna's Site - is that right?
Yes. if you have chosen to Pay Later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna's payment site where you can settle your payment to Klarna with your card or with a bank transfer.
What if I don't pay on time?
If you don’t pay within the 30 days, you may be subject to charges. To ensure you pay on time, Klarna will send three gentle reminders. If, after 14 days from your third reminder, you have still not paid the balance, your details will be passed to A debt collection agency, which may affect your credit rating.
Does Klarna impact my credit score?
Klarna may run a soft credit search that does not affect a customers credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor size? run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.
My application was not accepted by Klarna.
Klarna is a third-party payment service, therefore, we have no control over the decisions made by the service. If you are not accepted by Klarna you can contact them directly as, unfortunately, we will be unable to help you. Visit their Customer Service for Live Chat or call 020 300 50833.
How do I contact Klarna?
Visit Klarna's Customer Service for Live Chat or call 020 300 50833, Monday – Saturday, 9.00 AM - 6.00 PM, closed Sunday.
How do I use Clearpay?
Just shop Finettchi and checkout as usual. At checkout, choose Clearpay as your payment method. You will be directed to the Clearpay website to register and provide payment details (Visa or Mastercard). If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order – it’s that easy!
How does the Clearpay payment schedule work?
All Clearpay customers are required to make their first payment at the time of purchase. The remaining three payments are deducted automatically every 2 weeks in instalments from your selected payment method. If you would like to make additional unscheduled payments before they are due, you may log in to Clearpay to make your payments early. Clearpay will then adjust the amount owed accordingly.
What is ClearPay?
Clearpay is a service that gives our customers the ability to make purchases now while paying later. Payments are made in four parts every two weeks without any interest. Click here to find out more.
Can I use Clearpay if I'm an international customer?
Clearpay is only available to customers with a UK billing address. Customers with international billing addresses will not be able to create a Clearpay account.
Can I make additional payments?
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
What if I can't pay a Clearpay instalment?
If funds are not available at the time the automatic payment is due, you will be charged a £6 late payment fee by Clearpay. An additional £6 fee will be charged if the missed payment is not made within 7 days. Late fees will not exceed 25% of the total order.

Please see Clearpay Terms of Use use the contact form found here.
When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from Finettchi. Click here to visit our Delivery FAQ for more information.
Where can I find out more about Clearpay?
Visit the Clearpay website here for a comprehensive list of FAQs and check out Clearpay’s Privacy Policy found here.

If you have a question about your Clearpay account, please contact the free Clearpay customer support line at 44 808 164 9707 or use the contact form found here.
What is Laybuy?
Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
How does Laybuy work?
Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately. The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
How does the Laybuy payment schedule work?
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
How do I use Laybuy?
Just shop Finettchi and checkout as usual. At checkout, choose Laybuy as your payment method. You will be directed to the Laybuy website to register and provide payment details (Visa or Mastercard). If you’ve used Laybuy before, just log in to your Laybuy account. Then complete your order – it’s that easy!
Where can I use Laybuy?
Laybuy can be used on purchases made on the Finettchi website, and used in-store.
When will my items be delivered if I use Laybuy?
Laybuy orders are delivered within our standard delivery timeframes like any order from Finettchi. Click here to visit our Delivery FAQ for more information.
What if I can't pay a Laybuy instalment?
If funds are not available at the time the automatic payment is due, you will be charged a late payment fee by Laybuy.
Where can I find out more about Laybuy?
Visit the Laybuy website here for a comprehensive list of FAQs and consumer terms and conditions. Laybuy’s Privacy Policy can be found here.