Finance Options: Spread the Cost of Your Order

You do not have to pay for everything up front. You can buy your gazebo, marquee or accessories on finance and spread the cost over time, whether you want to pay later, pay in instalments or pay monthly. Finance is chosen at the checkout once your items are in the basket.

Gala Tent offers two finance providers, Klarna and DivideBuy, so you can pick the one that suits the size of your order and how you want to pay. Klarna covers shorter-term buy now, pay later on orders under £1,000. DivideBuy covers interest-free and longer-term credit on larger orders.

Which Finance Option Is Right for You?

Both options are quick to apply for at the checkout, and both are shown if your order qualifies. The right one mainly depends on how much you are spending and how long you want to spread the cost.

Choose Klarna if

  • your order is under £1,000
  • you want to pay later, or split the cost over a short period
  • you want interest-free instalments with no long commitment

Choose DivideBuy if

  • your order is larger, from £50 up to £6,000 for interest-free credit
  • you want to spread payments over several months, up to 12 months interest-free
  • you want a longer term, available up to £12,500 on selected terms

If your order qualifies for both, you can compare them at the checkout before you decide.

Pay Later with Klarna

Klarna lets you shop now and pay later on orders under £1,000. When you choose Klarna at the checkout, you can spread the cost with Pay in 3, or hold off paying with Pay in 30 days. Both are interest-free when you pay on time.

Pay in 3

Klarna's Pay in 3 splits your order into three equal, interest-free payments. The first is taken when your order is confirmed, and the next two are taken automatically from your debit or credit card 30 and 60 days later. There is nothing to remember, and no interest or fees when you pay on time.

Pay in 30 days

Pay in 30 days lets you receive your order first and pay up to 30 days later. You can check everything is right before you pay, with no upfront payment and no interest or fees when you pay on time. In the Klarna app you can pay earlier, or extend the due date if you need to.

How to pay with Klarna

Add your items to the basket and go to the checkout. Choose Klarna, then select how you want to pay. You can manage your orders and payments afterwards in the Klarna app, or by logging in at app.klarna.com.

Is Klarna safe?

Klarna uses strong security to protect your information and prevent unauthorised purchases. Your payment details are processed securely, no card details are held by us, and you can remove a linked card or bank account at any time.

Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. 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. Terms and conditions apply.

Pay Monthly with DivideBuy

DivideBuy lets you spread the cost of a larger order into monthly payments, with interest-free credit available on orders from £50 to £6,000 over up to 12 months. Where a longer or interest-bearing term is offered, credit is available up to £12,500, set on an individual basis. You apply at the checkout and get a decision in minutes. Our dedicated DivideBuy finance page has the full detail.

Who can apply

To apply for DivideBuy credit you must:

  • be aged between 18 and 75
  • be a permanent UK resident
  • have a valid debit or credit card
  • have a valid UK mobile number
  • have a valid email address

A credit check is carried out to assess your eligibility when you apply. DivideBuy also offers a quick eligibility check on this website that does not affect your credit file, so you can see where you stand before you apply.

How your payments work

Monthly payments are collected automatically by Continuous Payment Authority on the date each instalment is due, using your card details. You can manage your account and make payments by logging in to your DivideBuy account.

Representative example

Interest-free credit is available on eligible orders. Where an interest-bearing credit product is selected, a fixed rate of interest is charged as part of the repayments, and the full detail is shown in the documentation before you sign at the checkout.

Representative Example: A loan of £1,250.00 over 24 months will cost you £57.15 per month at a representative 9.9% APR. The total cost after 24 months is £1,366.80, which includes £116.80 interest at 9.9% fixed and a £0 fee. The total amount of credit is £1,314.64.

A Secure Checkout

However you choose to pay, every payment at Gala Tent is protected by SOTpay, our own secure payment technology. See all the ways to pay for more on paying by card, by bank or on finance.

Finance FAQs

Can I buy a gazebo or marquee on finance?
Yes. You can spread the cost of your order at the checkout with Klarna or DivideBuy, so you do not have to pay for everything up front.
Can I pay monthly?
Yes. DivideBuy lets you spread the cost of a larger order into monthly payments, with interest-free credit on orders from 50 to 6,000 pounds over up to 12 months.
Do you offer buy now, pay later?
Yes. Klarna offers buy now, pay later on orders under 1,000 pounds, either as Pay in 3 or Pay in 30 days.
What is Pay in 3 and how does it work?
Pay in 3 splits your order into three equal, interest-free payments. The first is taken when your order is confirmed, and the next two are taken automatically from your card 30 and 60 days later.
What is Pay in 30 days?
Pay in 30 days lets you receive your order and pay up to 30 days later, with no upfront payment and no interest or fees when you pay on time. You can pay early or extend the due date in the Klarna app.
Is there a limit on how much I can spend on finance?
Klarna is available on orders under 1,000 pounds. DivideBuy offers interest-free credit on orders from 50 to 6,000 pounds over up to 12 months, and up to 12,500 pounds on selected longer or interest-bearing terms.
Are there any fees or interest?
Klarna's Pay in 3 and Pay in 30 days are interest-free with no fees when you pay on time. DivideBuy is interest-free on eligible orders up to 12 months; where an interest-bearing term is chosen, a fixed rate of interest applies and is shown before you sign.
Will there be a credit check?
Klarna may carry out a soft credit check, which does not affect your credit score. DivideBuy carries out a credit check when you apply, and also offers a quick eligibility check that does not affect your credit file.
Do I need to sign up before using Klarna?
No. You choose Klarna at the checkout and are guided through the steps, which include a soft credit check to confirm your eligibility.
Who can apply for DivideBuy credit?
You must be aged 18 to 75, a permanent UK resident, and have a valid debit or credit card, a valid UK mobile number and a valid email address.
Can I pay off my balance early?
Yes. With Klarna you can pay off a plan early in the Klarna app. With DivideBuy you can settle early by logging in to your DivideBuy account.
What happens if I miss a payment?
Klarna will try to collect the payment again and let you update your details. Missed payments may affect your ability to use Klarna in future, and late fees may apply. For DivideBuy, contact them directly if you think you may miss a payment.
How do returns work when I have paid on finance?
If you return part or all of an order, the refund is applied to your outstanding balance with the provider first. Any amount above the balance is refunded to your original card. Start a return with us in the usual way.
Who do I contact for help with my finance agreement?
For Klarna, use the Klarna app or Klarna customer service. For DivideBuy, contact them at hello@dividebuy.co.uk or through their live chat. For anything about your order, contact our team.


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