2. Tinnitus Treatment
3. Finance

Financing your Tinnitus treatment

To help you spread the cost of your treatment, we have teamed up with Klarna to offer you convenient and great value payment plan options.

The Tinnitus Clinic Ltd acts as a credit intermediary and offers credit products provided exclusively by Klarna Bank AB (publ).

Klarna

Klarna is Europe’s leading payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, Klarna gives consumers the option to pay over time, offering a trusted, frictionless and smooth payment experience.

Klarna works with over 100,000 merchants to offer payment solutions to users across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.

How to Apply

When you receive your treatment recommendation it is simple to apply:

Please click here to request an application link by email if you have had an assessment and have your treatment quotation. Once you receive the link, simply complete the application process. Klarna will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

The following are examples of finance options available to Tinnitus Clinic customers:

Treatment	Cost of treatment	Deposit		Monthly payments
	£		£			£
Tinnitus Desensitisation Therapy example	4,495	10%	450	18 months	9.9 % finance	241.96
Levo for Tinnitus treatment at night example	3,999	30%	1,200	12 months	0% finance	233.27
Hearing Loss Solutions example	2,970	20%	594	12 months	0% finance	198.00
Hyperacusis Desensitisation Therapy example	2,195	10%	220	6 months	0% finance	329.17

Is A Deposit Required?

Yes. If your credit application is accepted, you will be required to pay a minimum of a 10% deposit, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself. Paying a higher deposit will reduce the monthly payments you will have to make, with the maximum being 50%.

How Much Can I Borrow?

The minimum lending amount in addition to the upfront deposit is £300 , which is a for a total purchase price of £330 with 10% deposit. The maximum loan amount is £25,000.

What Is The APR?

The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Some examples of the APR include:

£3,000 (10% deposit) – 6 months – 0% APR
£4,000 (40% deposit) – 12 months – 0% APR
£2,500 (25% deposit) – 18 months – 9.9% APR

How Are My Monthly Payments Made?

Monthly repayments will be taken via direct debit from your bank account. Klarna will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Which Products Can I Buy On Finance?

Any products listed on this website with a “Finance” payment option are eligible for finance.

What Is The Repayment Schedule?

You can arrange finance for 6, 12 or 18 months.

How Long Before I Have To Start Repayments?

Klarna will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Can I Pay Off The Loan Early?

Yes, you have the right to repay all or part of the credit early at any time – you should contact Klarna for details by phone (0333 321 6080) or e-mail (customersupport.uk@klarna.com).

Please note that interest rates will be adjusted accordingly.

How Much Does The Loan Cost?

The total cost of the loan is shown on the finance agreement.

Are There Any Other Charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Klarna may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

Standard Information and Regulatory Status of Klarna

Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of their regulation by the Financial Conduct Authority are available from them on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply. Klarna’s FCA registration number is 821179

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.

How Do I Ask A Question About The Credit Agreement?

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Klarna on 0333 321 6080.

How Long Does It Take To Apply?

The application takes a few minutes to complete and successful applications are processed straight away. You are informed by email of the outcome of your application.

What Are The Requirements For finance?

You must be a permanent UK resident and able to supply 3 years address history. You must have a UK bank account capable of accepting direct debits. The deposit must be paid using a credit or debit card. You must be aged at least 18 and not more than 75.

Can I Cancel The Credit Agreement?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the Klarna notice in writing or by telephone or email. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. You should contact Klarna by phone (0333 321 6080) or e-mail (customersupport.uk@klarna.com).