How do I apply for Interest Free Credit?

Our Interest Free Credit offer via Klarna is available to retail customers only, not registered traders. If you are a registered company or sole trader, you can apply for a Trade Pay credit account instead.

If ordering online, simply add the products you want to purchase to you basket and proceed to checkout.  Then select 'Klarna' as your payment method and your chosen repayment duration. You will need to complete a short form and pay a 10% deposit if you choose the monthly instalments plan. For pay in three, the first instalment must be paid directly to Klarna at the point of application, then the second and final payment is on day 30 and 60. Decisions are made instantly, so you are not left waiting.

For purchases made in store, please ask a member of our in store team for help when making your purchase. They will be able to process your IFC application with you. If approved by our credit provider Klarna, you will be notified then and there in store. A copy of the application, chosen payment plan and T&Cs will then be emailed to you.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.

Topps Tiles is authorised and regulated by the Financial Conduct Authority (FCA FRN 738007) and acts as a credit intermediary and not a lender, offering 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.

Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. For more information, please visit https://www.klarna.com/uk/.