Buy Now and Repay in Winter

We are excited to introduce our new Buy Now and Repay in Winter option which runs alongside our other payment options such as Klarna and Pay Assist. This will be available in our Halfords garages as part of our Drive Safe campaign.

How does it work?

Buy Now Repay in Winter gives you a 0% APR on orders over £99 at our garages. You will be able to pay 15% of the deposit upfront and don't need to pay anything for 7 months. Following this, the remaining balance is paid in three equal monthly instalments in months 7, 8 and 9

For example:

You need a new set of tyres as a result of your MOT. The garage advises that two new tyres are £207.98 which you may not be able to afford at that current time. But with our new proposition you would be able to make a deposit of £31.20 on the day and then 7 months later pay £58.93, 8 months later pay £58.93 and 9 months later you pay the last instalment of £58.93.

Buy Now Repay in Winter is available in-garage at HAC and National centres, as well as online for National. Please note, this payment option includes a full hard credit check on all applications, regardless of value.


How do I amend/cancel my plan?

If you have used the 'Buy Now Pay Later' plan and wish to cancel or amend your plan please don't hesitate to contact us.

Am I eligible for the 'Buy Now Pay Later' plan?

Your eligibility for the "Buy Now Pay Later" plan will be subject to your individual circumstances. However, you will need to:

  • Be 18 years or older;
  • Have a valid mobile telephone number and email address;
  • Have a UK home address; and
  • Have a valid UK-based debit card
Can I pay in full earlier?

Yes, simply call payment assist here and they will look into arranging that for you.

What happens if I have a complaint about my item/service? 

If your complaint is regarding the product or vehicle repair, we would recommend contacting us and we assist with your query.

However, if your complaint is regarding the finance or any service that you have received from Payment Assist, we can be contacted on 01664 503151, or by email at

What if I'm unable to pay my plan?

If you find yourself in this position, we recommend speaking to your finance provider as soon as possible so they can help you and provide further advice. Contact details are below.

Payment Assist can be contacted at 01664 503151 or by using the contact form at Be advised that Payment Assist operates a fair collection policy and will always endeavour to give you adequate time to resolve any financial difficulties you experience in repaying the loan.

Will I be credit checked?

We simply check that your card has adequate funds to pay the initial deposit and that the address registered to your Debit card matches, but no footprint is left on your credit status and this online check takes seconds. In some instances, we may need to carry out a full credit check, where this is the case, we will ask for your permission before this takes place.

Are other finance methods still available?

We’ve got several other finance options to help you spread the cost and make payments more manageable, covering spending over £30. Please click here to view all our finance options.

Where else can I go for financial help and support?

The Money Advice Service provides free and unbiased information and advice about financial services. They can be contacted by phone at 0800 138 7777 or by email at or alternatively, via their website. You can also contact the Money Helper service on their website which is a free government-funded service.

If you live in Scotland or Northern Ireland, please consider or respectively.

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