Payment Methods

Credit & Debit payments

You can pay by credit or debit card online, over the phone and in our Shacks.

Google Pay & Apple Pay

We accept Apple Pay and Google Pay on eligible devices.

Klarna

We've partnered with Klarna to offer Klarna Pay Now, Pay in 3 and Pay in 30 Days. All Klarna payments are covered by Klarna's Buyer Protection service. Klarna will provide additional support and dispute services if your products don't match the description provided or there are problems with your deliveries.

Our Slow Finance payment method powered by Klarna is currently undergoing technical upgrades and won't be available until further notice.

Klarna Pay Now

Klarna Pay Now allows you to link multiple bank accounts, credit and debit cards. Rather than paying directly using these and exposing your details, you use your Klarna account and you benefit from enhanced Buyer Protection.

You can use this method (subject to terms and approval) for transactions between £30 and £4000 on the Loaf.com website.

You login to your Klarna account with your unique username, password and two-step authentication and simply pick which card or bank account you want to use. Again, no more having to run around the house searching for your physical wallet and cards!

Klarna Pay in 3

With Klarna's "Pay in 3" option, eligible customers can spread the cost of their payment into three interest-free payments. The first payment will be due at the time of purchase, with the second and third payments being taken every month on the same date.

Klarna will make a decision within a matter of seconds within their app. If you're approved, Klarna will reserve the funds for the first payment on your card or bank account. This means you won't be able to spend these funds elsewhere. Once your items have been shipped, the funds will be released to Klarna and your bank statement will be updated to reflect this.

You can use this method (subject to terms and approval) for transactions between £30 and £2500 on the Loaf.com website.

Klarna Pay in 3 is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score.

Klarn's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply.

Full terms and conditions are available on the Klarna UK website

Klarna Pay Later (30 days)

Using Klarna's Pay Later payment option, you can make your purchase today and pay up to 30 days later interest-free.

Klarna will send you reminders to make payment with details on how to do this. If you'd like to make your payment before the 30 days is up, you can do this through the Klarna app at any stage.

You can use this method (subject to terms and approval) for transactions on the Loaf.com website with no limit.

Klarna Pay Later is a form of credit, so you should carefully consider whether you can afford the repayments and be aware of the impact of missing payments on your credit score. A soft credit check will be carried out to ensure that responsible lending standards are being met. You'll be able to see the check on your credit file, but no one else will.

Klarn's Pay Later (30 days) is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply.

Full terms and conditions are available on the Klarna UK website

PayPal

We've partnered with PayPal to offer you more flexible ways to pay at no extra cost to you.

All PayPal payments are covered by enhanced Buyer Protection offered by PayPal. This means that if an eligible item you've purchased doesn't match our description, doesn't arrive or is damaged, PayPal will reimburse you the full amount for the item plus posting and packaging costs.

PayPal Wallet

PayPal Wallet allows you to link multiple bank accounts, credit and debit cards. Rather than paying directly using these and exposing your details, you use PayPal and you benefit from enhanced Buyer Protection.

You login to your PayPal account with your unique username, password and two-step authentication and simply pick which one you want to use. No more having to run around the house searching for your physical wallet and cards!

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