Why use Zopa?
We understand a garden building can be an investment. Here at Waltons, we didn’t want that to stop you from making your new garden retreat a reality, or from giving your new home business a place of its own. To help you spread the cost of your purchase from Waltons, we’ve teamed up with Zopa and Klarna to offer a range of credit options.
Interest free instalments
Check eligibility, no effect on credit score
Repayment automatic
Quick & easy
Zopa personal finance
How it works
Step 1
Go to checkout and select Zopa.
Step 2
Provide some personal details. If you are approved get instant credit decision.
Step 3
Pay the first instalment.
Step 4
Your goods are on their way.
Zopa FAQs
Are there limits on how much I can spend?
Zopa interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit
offered is set by the retailer.
Who can apply for Zopa interest free credit?
- Applicants 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
Will a credit check be performed?
Yes. A credit check is performed to assess your eligibility and affordability. Zopa also has a quick check service so you can assess your eligibility for Zopa credit that will not affect your credit file.
How do I make my monthly payments?
Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and threedigit CV2. Payments will be collected automatically on the date your instalment is due.
What if I would like to cancel/ return my order?
The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.
My application was declined. Now what?
We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your
application was denied. Zopa is not permitted to share application information with us.
Are there any fees or charges?
No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.
How can I manage my Zopa account?
To manage your account and make payments, you can log in zopa.com
If my application is not successful, can I re-apply?
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
What if I need to change my delivery address from my billing address?
Zopa will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact Zopa directly who will then notify us of the changes.
Contact Zopa
Live chat
Please note that the finance calculator on this website is developed and provided by Zopa for illustrative purposes only. All finance applications are subject to status, affordability checks, and Zopa’s terms and conditions. If you need any further assistance, feel free to contact us by phone, live chat, email.
Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. © Zopa Bank Limited 2024. All rights reserved.
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