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Finance to suit you

Spread the cost of your new bathroom over 6, 12, 18 or 24 months. Our flexible finance options include interest free credit between 6 and 18 months, as well as an interest bearing option of up to 2 years. Finance is available on orders of a minimum of £500 and requires a minimum 10% deposit on top of this. The application can be completed and signed online, and the decision is normally instant. To find out more, or to start an application, simply give us a call or fill in the contact form on this page.

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Finance Terms & Conditions

Please note that in order to safeguard against fraudulent applications, we regret that we are able only to deliver goods to the home address of the applicant. Pay on Finance credit products are available over 6, 12, 18 and 24 months, subject to conditions and status. To be eligible to apply for finance, you must be 18 or over, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, Klarna and if your application is successful you will enter into a credit agreement with Klarna Bank AB.

Should you choose to cancel your credit agreement with Klarna and have already received your goods from us, then you will be liable to pay Klarna, in full, for the product (unless your cancellation rights apply).


Who is eligible for finance?

Finance is available on orders that are of a minimum £500 value (inc VAT) and placed over the telephone or via email or live chat. Currently we do not yet provide the option of checkout out via our online site. Instead, once the desired items have been finalised, we send you a link enabling you to fill in your details and electronically sign the agreement. It's a quick and simple process, and the decision is usually instant.

To apply you will need to be 18 or over; a UK resident for 3 years or more / permanent UK resident; be able to make regular payments by direct debit; be in regular employment (at least 16 hours per week) including self employment, or in a permanent residence with your spouse or partner who is in regular employment; and have a debit card or credit card in your name and registered to your address.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Klarna - our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including misspelled or mistyped information, or not meeting the specified criteria. Please note that other conditions may apply and we cannot guarantee that your application will be accepted. If your application is not successful, you can still purchase the item in full with a valid credit or debit card, or BACs transfer. If your application is declined, it is usually for one of the following reasons:

  • you do not meet the eligibility criteria
  • adverse credit reference agency information
  • poor credit score
  • you are considered to be overcommitted financially
  • your existing account performance with other lenders

Beyond Retail Ltd, trading online as Drench, has teamed up with Klarna Bank AB (publ) to offer you a flexible and affordable option to pay on finance. Klarna Bank AB are one of the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for many years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Klarna Bank AB (publ), which will be administered by Klarna Bank AB (publ).

Drench 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.

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