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To help you spread the cost of buying a new BBQ or garden Furniture, we have teamed up with Klarna to offer you a convenient and great value payment plan options.

The Riverside Garden Centre Ltd act as credit intermediaries and offer credit products provided by Klarna.

How to Apply

In Person - Apply at our Hertford Store where one of our sales staff will assist you with the entire process.

Online at Please select Finance as your preferred payment method and you will then be redirected to the Klarna website to complete your finance application.

Klarna will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

How Much Can I Borrow?

The minimum lending amount in addition to the upfront deposit is £500 (For example, the total purchase price of £500 with 10% deposit). The maximum loan amount is £25,000.

Is A Deposit Required?

Yes. If your credit application is accepted, you will be required to pay a 10% deposit, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself.

What Is The APR?

The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Some examples of the APR include:

£1000 (25% deposit) – 12 months – 0% APR
£1500 (10% deposit) – 12 months – 0% APR

How Are My Monthly Payments Made?

Monthly repayments will be taken via direct debit from your bank account. Klarna 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.

Which Products Can I Buy On Finance?

Any products listed on this website with a “Finance” payment option are eligible for finance.

What Is The Repayment Schedule?

You can arrange finance for 12 months.

How Long Before I Have To Start Repayments?

Klarna will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Can I Pay Off The Loan Early?

Yes, you have the right to repay all or part of the credit early at any time – you should contact Klarna for details by phone (0844 880 6542), e-mail or letter at the following address:

Dee House
St Davids Park

Please note that interest rates will be adjusted accordingly.

How Much Does The Loan Cost?

The total cost of the loan is shown on the finance agreement.

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 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 Status of Pay4Later and Klarna
Consumer Credit Service is provided by Klarna. Klarna is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240).

Klarna is a trading style of Klarna Limited – a subsidiary of Klarna Group plc. Klarna Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit

How Do I Ask A Question About The Credit Agreement?

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Klarna on 0844 880 6542.

How Long Does It Take To Apply?

The online application takes a few minutes to complete and successful applications are processed straight away.

What Are The Requirements For finance?

You must be over 18 years old and a permanent UK resident with 3 years address history. You must have a UK bank account capable of accepting direct debits.

The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

Can I Cancel The Credit 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 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. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Dee House
St Davids Park