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Klarna Finance | Cyclescheme Available | 60 Day Ride & Return Policy

Shop now. Pay later with Klarna

Cairn Cycles partners with Klarna

We're excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It's safe and simply way to get the bike you want, when you want it!

Here is how it works:

Step 1

Add the products to your cart and click "Check Out". Fill in your contact information and address, choose your shipping method and click "Continue To Payment". This is where you can select "Pay Later With Klarna".

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.

Step 4

You can complete your future Klarna purchases with just one click.

Flexible Shopping Options

Pay in 3 interest-free instalments (UK Only, Orders Under £1000)

Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments every 30 days. No credit checks, and no interest or fees. Read more here.

Slice it (Finance) - 12, 24 or 36 months @ 9.9% APR (UK Only)

Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna App. Read more here.

Representative Example

SPEND £2989

Term 12 months 24 months 36 months
Spend £262.06 per month £137.21 per month £95.72 per month
Total Amount Payable £3,144.72 £3,293.04 £3,445.92
Interest Rate 9.90% Representative APR 9.90% Representative APR 9.90% Representative APR

*If you do not make your full monthly payment, the interest free arrangement will cease and you'll be required to pay interest on all future payments at 18.9% APR Representative. Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

ITS Cycling Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 798256) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

ITS Cycling Ltd, 8 Huffwood, Partridge Green, RH13 8AU, United Kingdom

Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.

About Klarna

Pay online or in the app

Review your latest purchase and make payments in the Klarna app or online.

Safe and secure

With Klarna, you are always covered through Klarna's Buyer Protection policy. Modern safeguards protect your information to prevent unauthorised purchases.

Frequently Asked Questions

Visit Klarna's FAQ 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 payments methods give you more time, control and joy so you can focus on the things you love.

  • 80 million shoppers are using Klarna.
  • 190,000 retailers are working with us worldwide.
  • We've been powering online checkouts for 14 years.