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Flexible Finance Options.

We've partnered with Klarna to bring you new ways to pay at checkout. It's a safe and simple way to get the bikes, clothing or accessories you want when you want them.



If you’re looking to split the cost over time, we have you covered. We have flexible finance options to suit all budgets so that you can buy a Momentum bike now and then pay over a range of monthly instalments. All Klarna finance options require just a 10% deposit made at the point of purchase. Please see our complete list of rates below.

  • 12-month: 0% APR
  • 24-month: 9.9% APR
  • 36-month: 9.9% APR
  • 48-month: 9.9% APR

How does Klarna financing work?

  1. Add products to your cart and head to the checkout (min spend £35).
  2. Select either 'Pay Later ' to pay in 30 days, or 'Pay Later in 3' to pay over time in 3 interest-free instalments.
  3. Your order is then complete, and will be sent to your local Momentum store for collection - we will notify you when the products are ready to be picked up.
  4. Klarna will send you an email with all the details of how to pay. It's as simple as that. For more information or to manage your Klarna account visit
Pay Later

Pay Later

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact on your credit score. Paying after delivery is the easiest way to shop online. Pay later terms and conditions

Pay In 3

Pay In 3

The first payment is made at the point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. Pay in 3 terms and conditions


About Klarna


Who are Klarna?

Klarna are a Swedish payment service provider that takes end-to-end responsibility for your payment.

Klarna have a relentless focus on creating the best shopping experience in the world. They believe payments are so much more than just a way to send money. That’s why their smooth checkout options give you more time and control so you can focus on the things you love.

  • More than 90 million shoppers are using Klarna.
  • 200,000 retailers are working with Klarna worldwide.
  • They are one Europe’s largest banks and have been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Momentum is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.


How does pay later work?

Once you've chosen the 'pay later' option at checkout and the order is confirmed, you'll receive an email from Klarna within two days outlining the payment instructions. From the email, you receive 30 days to try your order and only pay when you're happy with the products.

What happens if I don't pay within 30 days?

To help you pay on time, Klarna will alert you two days before payment is due and, if very late, they’ll also send you a text or letter too. If you fail to pay Klarna for your order, your credit score will be affected.

Pay later - When can I pay?

You can pay for the order at any point after receiving the email, as long as its within the 30 day window.

How does pay later in 3 work?

Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Momentum and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Can I make payments before the due dates?

In the Klarna app, you’ll have the option to pay off a single instalment or even the entire balance earlier if preferred.

I've changed my card details, what happens to my payments?

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase from the debit or credit card used at checkout. If they’re unable to collect your payment on the scheduled due date, Klarna will make one more attempt to automatically collect payment two days later. If this last payment attempt fails, Klarna will issue you a statement for the full outstanding order amount, which will become payable 15 days later. Klarna will notify you when a payment is due two days ahead of attempting to collect your payment.


Am I eligible for Klarna?

To qualify for Klarna products, you will need to be at least 18 years old, have a UK payment credit or debit card, and have a UK residential address.

Does Klarna make a credit check against me?

No, Pay Later and Pay Later in 3 do not require any credit checks. Klarna perform a 'soft search' to establish affordability, however this is not visible on your credit file.

Klarna's Policies and Terms & Conditions

Klarna's Privacy Policy

To offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.

General information on Klarna you can find here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy.

Klarna's Terms & Conditions

In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you the following payment options. Payment is to be made to Klarna:

- Pay Later 30

- Pay in 3 instalments

- Pay Now

Further information and Klarna’s user terms you can find here. General information on Klarna can be found here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarnas privacy statement.

Finance is subject to status. From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner Klarna. If your application is successful you will enter into a Credit Agreement with Klarna.

Representative Example;

  • Total amount of credit: £2500
  • Interest rate 0% fixed
  • Duration of loan: 12 months
  • Deposit amount (10%): £250
  • 12 monthly payments of £187.50
  • Total amount payable £2500

Credit is available subject to status to UK residents aged 18 or over. Momentum. acts as a credit broker and not as a lender and is registered in England 2167762. Registered office: Charnwood Edge, Syston Road, Cossington, Leicestershire, LE7 4UZ. Momentum act as a credit broker, not the lender and only offers credit products from Klarna Bank AB. Credit provided is subject to status and minimum spend.