Payment Methods

At Christopher James we are here to help... Along with traditional payment forms we now also offer interest free credit from either Novuna or Klarna.

If you would like further details about any of the options listed, please contact us or simply visit one of our stores.

0% APR Interest Free We offer an interest free finance facility, giving you the option to spread your payments over convenient monthly installments. Available for UK residents only, on items over £1,500 with a minimum of a 10% deposit. Maximum term 12 months.

The deposit must be paid by credit/debit card (we accept all major cards including American Express). The deposit is a minimum of 10% but the applicant can leave more to reduce the monthly repayments.

The loan can be taken over different periods of time. The repayments can be spread over 6 months, 9 months, 10 months or 12 months. There are no early repayment charges incurred by the applicant if you/they choose to clear the balance earlier than the contract specifies.

Your eligibility will be checked through a straightforward form that can be completed at home or in-store. In order to complete the application your credit score will be searched and when this is complete you will receive a decision on your application immediately.

Finance is subject to our discretion and not applicable on discounted items.

Payments will start 30 days after collection, and there is a 14 day cancellation period.

Credit subject to status and affordability, terms and conditions apply.

*Interest Free Example Example of an interest free policy for an item costing £5,000.00 over 1 year with a 10% deposit:

Total cost: £5,000.00

Deposit (10%): £500.00

Loan Amount: £4,500.00 spread over 1 year

12 monthly payments of £375.00*

Klarna – 'Pay in 3'

We’re making shopping even easier with Klarna Pay in 3. This flexible payment option lets you split your purchase into three equal, interest-free instalments, so you can get what you need today and spread the cost over 3 months upto a maximum of £1,000.00.

Applying for Klarna Pay in 3 is simple. Just contact us and speak to a team member. They’ll guide you through the quick and easy application process using a payment link. Once approved, your first payment will be taken at the time of purchase, with the remaining two instalments automatically collected every 30 days. There’s no interest, no hidden fees, and no impact on your credit score when payments are made on time.

This option is perfect if you want to shop with more flexibility while keeping your budget in check. Klarna offers a secure and straightforward way to pay, so you can enjoy your items straight away without worrying about paying the full amount upfront.

To be eligible, you must be at least 18 years old, a UK resident, and have a valid payment card. Klarna’s approval process is quick, and once accepted, you can start using Pay in 3 immediately.

Visit us in-store today to apply and take advantage of Klarna’s flexible payment solution!