Our credit provider Klarna has limited credit loans to £5,000 per transaction. This means we can only offer finance options on items and basket sizes of £5,500 or less (£5,000 loan and 10% deposit)
Spread The Cost Of Your Camera kit
Using finance to fund your camera purchase enables you to get a camera, lens or any other camera equipment within a monthly budget to suit you. Rather than fully funding an expensive purchase, which we know all about as we are keen photographers ourselves, you can now choose to pay for your kit with a range of finance options provided by our partners at Klarna Bank AB - Europe’s leading payments provider.
At Park Cameras we offer a 12.9% APR payment plan over 24, 36 or 48 months for orders over £300. We also often have interest free credit on some items so you can pay for your camera equipment over 6, 12 or 24 monthly installments - take a look at our current Interest-Free Camera offers
|Price Range||£300 - £5,500|
|6 Months||12 Months||24 Months|
|12.9% Finance||24 Months||36 Months||48 Months|
How Does The Finance Process Work?
We’ve partnered with Klarna Bank AB to provide our online finance service. Once you’ve added the items you wish to buy to your basket, proceed to the Checkout and select the Klarna finance option and follow the steps to apply online.
The Klarna online application form typically takes a few minutes to complete. Your application is then instantly reviewed and you should get a decision in around 5 seconds. Some applications may take longer to process. If for any reason Klarna can't give you an instant decision, they will send you an email the moment a decision is made.
If you are approved, you will need to pay the deposit using a credit or debit card. Upon confirmation of the receipt of your deposit payment, Klarna will authorise us to proceed with your order and will write to you to confirm the repayment amounts and schedule. Your monthly repayments will then be collected by Direct Debit.
Read on for more detailed information about Klarna and the finance process at Park Cameras. Please call us on 01444 23 70 70 or e-mail us at firstname.lastname@example.org if you have any questions.
I would like to change the 10% deposit for a higher one when purchasing, how can I do that?
If you are happy to pay a 10% deposit, you can do it all online when going through checkout
If you would like to pay a higher deposit amount (between 10% and 50%):
Nikon D610 + AF-S NIKKOR 24-85mm lens
*Pricing accurate as of 12/02/2019
OLYMPUS OM-D E-M1 MARK II MIRRORLESS CAMERA BODY
*Pricing accurate as of 07/10/2020
Eligibility For Credit
In order to apply for credit with Klarna, you must:
Have a good credit history
Be employed or retired and have considered your ability to afford and sustain the repayments
Be a permanent UK resident, between 18 - 80 years of age and able to supply 3 years address history
Have a debit or credit card
Have a UK bank account capable of accepting Direct Debits
Have the goods delivered to your home address
Pay the deposit using a credit or debit card
Eligibility is not a guarantee of acceptance. Finance is subject to credit and affordability checks. You must agree to Klarna’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.
Declined Credit Applications
You will be informed of the decision if Klarna declines your application. Please note, they are unable to share the reason for a decline with us. Applications are usually declined for reasons such as:
You do not meet the eligibility criteria (see above);
Adverse credit reference agency information;
Your credit score;
You are considered to be overcommitted; or
Your existing account performance with other lenders.
Returns & Cancellation Procedure
If you wish to return the order then please refer to our returns policy. If we accept your return we will contact Klarna to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.
Park Cameras acts as credit broker/intermediary and not as a lender. Park Cameras is authorised and regulated by the Financial Conduct Authority. Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority. For more information, please visit www.klarna.com
Park Cameras is registered in England and Wales 1449928. Registered office: Park Cameras, York Road, Victoria Business Park, Burgess Hill, West Sussex, RH15 9TT. Park Cameras is authorised and regulated by the Financial Conduct Authority. Our registration number is 1449928. Credit provided subject to age and status.
Events at Park Cameras
Throughout the year, Park Cameras hold and attend a range of events. For photographers currently stuck indoors, as opposed to our events that are traditionally held in store or on the road, we are currently working on a range of events that can be held in the comfort and safety of your own home. In these uncertain times, there’s never been a better time to get to grips with your camera, and hopefully we can help achieve this. Find out more