Finance

Our Finance Providers

Taskers finance is provided by V12 Retail Finance who provide 0% interest free credit on purchased of £280 and over.

We also offer Klarna as an interest free payment option on purchased up to £2000; offering a Pay Later (30days) option, or, a Pay in 3 equal instalments option.


Minimum Spend	£99 (£2000 Max)	£280
Available Credit Terms	Pay Later (30 Days) Pay in 3 (Pay in 3 Payments)	12, 24, 36 or 48 Months
APR	0%	12 Months - 0% APR 24,36 or 48 Months - 9.9% APR
Deposit	Pay in 3: First of 3 instalments (33%)	10%
	See Below for Further Information	See Below for Further Information

1. Klarna -

Part 1: How it works

Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:

Step 1

Add products to your cart and select “Klarna” when you check out

Step 2

Enter a few personal details and you’ll know instantly if you’re approved

Step 3

Klarna will send you an email confirmation and reminders when it’s time to pay and

you can manage your orders and payments in the Klarna app.

Part 2: Payments information

Pay in 3 interest-free instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically

every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a

credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

- A new way to pay that's an alternative to a credit card.

- 3 instalments gives you flexibility to shop without interest or hidden fees.

- Not making your payment on time could affect your ability to use Klarna in the future.

- Debt collection agencies are used as a last resort.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions

Part 3: About Klarna

Pay online or in the app

Review your latest purchases and make payments in the Klarna app or

online.

● Download the Klarna app: https://www.klarna.com/app

● Log in online: https://app.klarna.com/login.

● Chat with customer service:

https://www.klarna.com/uk/customer-service/

Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection

policy. Modern safeguards protect your information to prevent

unauthorized purchases.

Frequently asked questions

Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to

find out more about using Klarna.

About Klarna

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to

send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

● More than 90 million shoppers are using Klarna.

● 200,000 retailers are working with us worldwide.

● We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your

monthly repayments on time.

Taskers Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

FAQs

Pay later in 3 interest-free instalments

Frequently Asked Questions

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 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their

payments.

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments.

The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Taskers Ltd and instalments 2 and 3 are scheduled 30 and 60 days

later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free

instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address.

All orders are assessed individually. Just because you have been accepted for Pay later in 3 interest-free instalments before does not mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean

it will be denied for future orders.

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you.

All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Taskers Ltd run credit searches against you that could impact your

credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days,

respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as Taskers Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Taskers Ltd from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will

make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is

due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may be unable to use Klarna in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Taskers Ltd. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment

confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk .

What happens to my statement, when I've returned the goods?

Once Taskers Ltd has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any

payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I've received a statement, but I've not yet received my goods.

In the event that your goods have not been received please call Taskers Ltd to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app

while you wait for the goods to arrive.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna's website where you can find more information on Klarna.

Click here for information regarding Klarna’s products..

Click here for frequently asked questions or Klarna's Customer Service

www.klarna.com/uk/customer-service

Local number: 0203 0050 833
Freephone number: 0808 1893 333

2. V12 Retail Finance -

Applying Online - Orders £280 and over.

Spend £280 or more across our website and apply for our finance options, you pay just a 10% deposit. Credit provided subject to status.

Spread the cost over 12 month Interest Free

Representative Example Spend £1,550:

10% deposit
Loan term: 12 months
Monthly repayments: £116.25
Representative APR: 0.0%
Cost of credit: £0
Total amount payable: £1,550
Subject to terms and status

Spread the cost over 48 months 9.9% APR

Representative Example Spend £1,550:

10% deposit
Loan term: 48 months
Monthly repayments: £35.31
Representative APR: 9.9%
Cost of credit: £300.06
Total amount payable: £1,695.06
Subject to terms and status

To apply for finance you must:

Spend over £280
Be at least 18 years of age
Have been a UK resident for 3 years or more
Be able to make repayments by Direct Debit
Be in regular employment+(minimum 16 hours per week) including self employment, or in permanent residence with your partner who is in regular employment

+ If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

Applying online is quick and easy! Just select the finance option as you go through the checkout and upon completion of your order you will be directed to V12, our finance provider, to complete your application.

Taskers Limited is registered in England 1267980, registered office Unit A, Liver Industrial Estate, Aintree, Liverpool, L9 7ES.

Taskers Limited acts as a credit broker and offers credit products online from Secure Trust Bank Plc trading as V12 Retail Finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Taskers Limited is authorised and regulated by the financial conduct authority and our registration number is 1267980, Credit provided is subject to age and status.

All examples are for illustrative purposes only and exact payment terms will be agreed upon acceptance and completion of your application.