Payments Information
Explore the many ways to pay at Harbour Lifestyle Shopping for the perfect items to spruce up your home should always be fun and hassle-free.
DivideBuy Finance
Are there limits on how much I can spend? Up to 12 months - DivideBuy credit can be used interest free up to 12 months for products between £50 and £6,000. Over 12 months - Where interest free or interest bearing credit is available beyond 12 months, this limit is up to £12,500. Credit terms offered are set on an individual retailer basis.
Who can apply for DivideBuy interest free credit?
- Applicants must be aged between 18 and 75
- Be a permanent UK resident
- Have a valid debit or credit card
- Have a valid UK mobile number
- Have a valid email address
Will a credit check be performed?
Yes. A credit check is performed to assess your eligibility during your application. DivideBuy also has a quick check service which is available on this website so you can assess your eligibility for DivideBuy credit that will not affect your credit file.
Klarna
Klarna offers payment flexibility, you can pay the full balance within 30 days or divide the amount into equal monthly payments. Select ‘Klarna’ as your preferred payment option at the point of checkout and you will be redirected to set up your payment plan.
Splitit
Easily pay for your order with manageable monthly payments, using your current credit card. Please note American Express is not an accepted payment method via Splitit.
Splitit is one of our selected payment partners due to its multiple benefits:
- No credit checks.
- Always 0% interest.
- No minimum order value
- Choose between 3-12 instalments Select ‘Splitit’ as your preferred payment option at the point of checkout and you will be redirected to set up your payment plan. Credit subject to status, financial circumstances and borrowing history.
Visa & Mastercard
You can pay by card online or order by telephone and you will be emailed a payment link. We accept Visa and Mastercard, both credit and debit; your card information is kept secure via SSL encryption. Make sure your card limit and daily/monthly transaction limit are adequate, or else your order will not go through. American Express You can pay by card online or order by telephone and you will be emailed a payment link. We accept Visa and Mastercard, both credit and debit; your card information is kept secure via SSL encryption. Make sure your card limit and daily/monthly transaction limit are adequate, or else your order will not go through.
Apple Pay
Shopping from your mobile or handheld device? Apple Pay replaces your cards with a safe, secure & simple payment method. Ensure your card is active within your Apple Wallet & Select Apple pay as your payment option at checkout. Upon checkout please confirm your order details including delivery & billing address match the card linked to your apple pay account.
Shop Pay
A convenient way to pay, Shop Pay is a wallet that enables faster check out though automatically populating your preferred payment & delivery information. Information is safely stored through encryption & accessed via SMS verification. Once you have placed your order you will be able to view your order & delivery tracking information via the Shop Pay app.
Shop Pay Installments
Instalments
Shop Pay offers you the option to pay in full at checkout or to split your purchase into regular payments with Shop Pay Installments, both online and in-store. Instalment options vary by store and can be used on orders over £50, including discounts, shipping and taxes.
Payment plans
Purchases between £50 and £30,000 are eligible for Shop Pay Installments, with the option of monthly instalments.
Note: Minimum purchase amounts and offers may vary by retailer. Orders over £17,500 will be subject to a down payment.
Eligibility requirements and credit score
You must be 18 years of age or above and eligible to apply for credit in the UK to use Shop Pay Installments.
Checking your eligibility will not affect your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.
Note: To use Shop Pay Installments, you need a UK shipping address.
Fees or penalties
Purchases split into monthly payments may be subject to interest. You can pay your balance off early without penalty. There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
Paypal
At the end of the online ordering process, you have the option to select PayPal as a payment method which will direct you to their website. To ensure your data's safety, all transfers are SSL-encrypted. Furthermore, there is no limit on the products you can pay for with PayPal.
Please note that Harbour Outdoor Living Limited T/A Harbour Lifestyle acts as a broker not a lender and offers finance from a restricted range of finance providers & authorised by the Financial Conduct Authority: Reference number: 963170
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