0% Finance

Shop now, pay later with Klarna/Laybuy.

We’ve partnered with Klarna/Laybuy to give you the best shopping experience.


Apply for monthly or weekly financing at checkout. It’s very simple, 2-step application process with an instant decision. When approved we will be notified of your purchase and it will be on its way to you.

Pay in 3 installments

Split your purchase into three equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments with the chosen plan you choose. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled there after.No interest or fees.

How to shop with Klarna/Laybuy

  1. Add item(s) to your cart and head to the checkout.
  2. Select Klarna/Laybuy at the checkout to pay as you like for your purchase.
  3. Manage your orders and payments with the Klarna or Laybuy app.

Safe and secure.

Both Klarna and Laybuy have strong anti-fraud controls in place to protect our customers and prevent fraudsters from making unauthorized purchases.

Will This Effect My Credit Score?

Klarna/Laybuy may run a soft credit search that does not affect a customers credit score and is only visible on your credit file by you and the Lender. Neither parties run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.

What is finance and how does it work? 

Our 0% finance option gives you the opportunity to purchase any item from our website with only a small upfront cost.

If you have never made a purchase through Klarna or Laybuy before you will be redirected to either parties portal to create an account. Once approved you will then be able to complete your purchase.

If you already have a Klarna or Laybuy account then the amount for your purchase will be adding to your account.

Will I be approved for 0% finance?

To use Instalments you must be at least 18. Whilst this option is widely promoted, Instalments is subject to your financial circumstances. When choosing Instalments, our assessment will not affect your credit rating.

What if I want to cancel or return my order?

If you cancel a purchase through Klarna or Laybuy before your item is dispatched we will cancel the order our end and notify the lender to cancel any future payments to be taken and you will be refunded what has already been paid.

if you receive your item and change your mind and wish to return the item you will need to contact us directly which can be done using sales@thepacktaggroup.com

Once we receive your email we will go ahead and get the return underway, if you do decide to return an item which is not due to a error our end we would charge a 6% fee from the original amount that was paid. 

If our fault you would not be charged any fees and will receive a full refund.