Pay By Finance


About Retail Finance with Outdoor Action Ltd

Outdoor Action Ltd have teamed up with Klarna Bank AB (publ) to offer you the facility to spread the cost when purchasing high value items. Outdoor Action Ltd act as credit intermediaries and offer credit products provided by Klarna Bank AB (publ).

How to apply

To apply for finance you can do it in store where one of our staff will talk you through the process and discuss the options with you.
You can order online just select Pay by finance in the checkout and you will have an answer if accepted generally within 2 miniutes.
Please note that we cannot apply any further discounts or voucher codes when using retail finance.

How much can i borrow?
Outdoor Action has 3 different Finance options depending on the amount spent
6 months 0% APR on minimum spend of £350 and requires between a 10%-50% Deposit
10 Months 0% APR on £750.00 or more. and requires between a 10%-50% Deposit
12 Months 0% APR on £1000.00 or more. and requires between a 10%-50% Deposit
18 Months 9.9% APR on £350.00 or more. and requires between a 10%-50% Deposit
24 Months 9.9% APR on £350.00 or more and requires between a 10%-50% Deposit
You cannot pay any more deposit that the 50%, however once the finance deal has had its first payment taken, you may ring up to pay a further amount.

For example

Cost of goods £ 1000.00
Duration of Agreement - 12 Months
Deposit - £ 100.00
Amount of Credit - £900.00
12 Monthly Payments - £75.00
Total Repayable £1000.00
Rate of Interest - 0% APR

All deposits, APR and repayments are clearly laid out when applying, our staff can advise as well by calling 01254 671945

How are repayments made?
Monthly repayments will be taken via direct debit from your bank account. Klarna Bank AB (publ) 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.

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 (publ) 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  Klarna Bank AB (publ) Consumer Credit Service is provided by Klarna Bank AB (publ).
Klarna Bank AB (publ) is licensed by Swedish regulator.

How long does it take to apply?
If you are in store once your details are inputted we can generally have an answer after a few seconds, this is the same if you are processing online and filled in the application.

What are the requirements to apply for finance?
  • You must be over 18 years old and
  • Permanent UK resident with 3 years address history.
  • If purchasing online goods must be delivered to the applicants address.
  • In regular employment (minimum of 16 hours per week) including self employment, or in permanent residence with your spouse/partner who is in regular employment - In receipt of pension if you are retired
  • If not in employment, you may be required to provide proof of alternative income

Can i cancel the finance 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 (publ) 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 (publ). Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Outdoor Action Ltd acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ).
Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.
Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431