Spread the cost of payments with Klarna

At the Old Creamery Furniture Co, we've teamed up with Klarna Bank to offer you a variety of finance packages to help you with getting the right furniture you need, whilst being able to spread the cost of the payments to suit you.

Finance is available on any product or combined basket with delivery above £1000. Choose the right package for you to get the furniture you want with the balance spread over the time period you would like.

We have three options available to our customers. Two are interest free 0% rates and one is a longer term interest bearing offer. We hope this give a good range of payment options for our customers.

Spread the cost over 36 months at 9.9% APR - for all orders over £1000

Spread the cost over 6 months at 0% APR - for all orders over £1500
Spread the cost over 12 months at 0% APR - for all orders over £2000

  • Quick and easy online application
  • Select payments to suit you
  • Instant decision

It's Easy to Apply - Simply choose your goods and select Klarna at checkout.

The online application takes just a few minutes and you'll receive an instant decision.

  • Select your purchases
  • Choose "Pay on Finance" at the checkout
  • Complete the online application
  • Receive an instant decision 

Only 20% initial deposit to pay

We like things simple, 20% deposit upfront is all you need.

We'll ask you for a valid payment details during the application process.

You only pay if you're approved.

Karna Bank

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Who is eligible for finance?

Finance is available on orders of £1000 or more, placed on our website.

You'll need to be:

  • Aged between 18 - 75 years old.
  • 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, or retired with a regular income.
  • 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.

The Old Creamery is an introducer of regulated credit products provided exclusively by Karna Bank. Finance is only available to permanent UK residents aged between 18-75, subject to status, terms and conditions apply.


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 - our finance provider - will need to look at the application in more detail before making their decision. 


What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mistyped 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 with a valid credit or debit card.


Will I be charged if my application is declined?

No, you will not be charged anything if your application is unsuccessful.


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. It is important to use your full name and address and make sure everything is spelt correctly.


Who are Klarna?

Klarna are one of the UK’s specialist providers of Retail Point of Sale finance in the UK. We’ve chosen Klarna Bank due to the ease and speed of application process making it as simple as possible for you to get a decision. If your application is successful, you will enter into a Credit Agreement with Klarna.