Finance Information

At ProtectaPet, we offer a range of flexible payment options to help you spread the cost of your purchase. All finance options are subject to eligibility and approval by our payment partners.

Please read the information below carefully before choosing a finance option.

Klarna Financing (Pay Over Time)

Klarna Financing allows you to spread the cost of your purchase over a longer period, with repayment terms typically ranging from 6 to 36 months. Interest rates and repayment terms vary depending on the agreement offered and will be clearly shown at checkout before you complete your purchase.

If approved, your repayments will be collected automatically by Klarna via Direct Debit.

Late or missed payments may have serious consequences and could affect your credit score.

Important information

ProtectaPet Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 752668) and acts as a credit intermediary, not a lender.
Credit is provided by Klarna Financial Services UK Ltd (FCA FRN 1021834).
18+, UK residents only. Subject to status, terms and conditions apply.

Klarna customer support

For questions about your Klarna agreement, payments, or account, please visit:
https://www.klarna.com/uk/customer-service/

Klarna Pay in 3 Instalments

Klarna’s Pay in 3 instalments lets you split the cost of your purchase into three equal payments. The first payment is taken at checkout, the second 30 days later, and the final payment 60 days after purchase.

This option is interest-free if payments are made on time.

Important information

Klarna’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, terms and conditions apply.

Klarna customer support

You can manage your Pay in 3 agreement and get help via the Klarna app or at:
https://www.klarna.com/uk/customer-service/

Klarna Pay in 30 Days

Klarna Pay in 30 Days allows you to place your order and pay for it up to 30 days later. No interest is charged if you pay on time.

This option gives you time to receive and check your goods before making payment.

Important information

Klarna’s Pay in 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, terms and conditions apply.

Klarna customer support

For help with Pay in 30 Days, please visit:
https://www.klarna.com/uk/customer-service/

DivideBuy Finance

DivideBuy allows you to spread the cost of your purchase into monthly payments. Available terms and whether interest applies will be clearly shown at checkout before you commit.

Once approved, repayments are taken automatically by DivideBuy in line with your agreement.

Late or missed payments may affect your credit score.

Important information

ProtectaPet Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 752668) and acts as a credit intermediary, not a lender.
Credit is provided by DivideBuy Finance Ltd (FCA FRN 717072).
18+, UK residents only. Subject to status, terms and conditions apply.

DivideBuy customer support

For questions about your DivideBuy agreement, payments, or account, please visit:
https://dividebuy.co.uk/customer-service/

General Information

All finance options are subject to approval by the relevant lender
Finance is only available to UK residents aged 18 or over
Terms and conditions apply to all finance agreements
Please ensure you can afford the repayments before committing

For order, delivery, or return queries, please contact ProtectaPet directly.
For finance-specific questions, please contact the relevant finance provider using the links above.