Trade Credit
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We’ve partnered with Kriya to provide flexible payment options to help manage your cash flow. Now you can pay on account on business purchases with a Trade Card.
Apply now
Why Trade Credit?
Buy today, pay on account
Halfords Trade Card customers get exclusive spending limits and flexible payment terms with Trade Credit powered by Kriya. Make business purchases today and don’t pay a penny until the end of the following month.
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Get instant credit
For business purchase online, in-store and wholesale
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Buy now, pay next month
Keep your cash flow running smoothly and pay Kriya back at the end of the following month.
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No fees
No transaction fees or interest. (You may be subject to a late payment charge. Late payments can negatively impact your Kriya spending limit)
How it works
Paying on account with Trade Credit
Don’t have a Trade card? Apply for a free card today and enjoy benefits and discounts.
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Apply
You can apply for Trade Credit powered by Kriya when making a purchase on Halfords.com or Halfordsforbusiness.com.
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Trade Credit Limit
If eligible, your business will be set a Trade Credit limit that you and your team can use to fund purchases either online, in-store or wholesale.
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Buy now…
Purchase the goods you need upfront without paying a penny. The way this works is that the cost of your Trade Credit order is covered upfront by Kriya.
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…Pay next month
Pay for your purchase at the end of the following month. You make payment back to Kriya through the bank details on your Halfords invoice.
How to apply
4 steps to get Trade Credit
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Step
Apply
You can apply for Trade Credit powered by Kriya when making a purchase on Halfords.com or Halfordsforbusiness.com.
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Step
Onboard
Be prepared to share some details about your business at the point of application.
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Step
Verify
A director or key principal at your business will need to verify your application with a passport or driving licence.
This is done through an easy online process.
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Step
Ready!
Your business will be set a Trade Credit limit that it can use to make purchases from Halfords.com, Wholesale or Halfords retail stores.
Ways to shop
Use Trade Credit for online, wholesale and in-store purchases
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Halfords for Business Wholesale
Access over 10,000 products and enjoy wholesale prices. Order from halfordsforbusiness.com or via your Halfords account manager.
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Halfords.com
Benefit from Trade Card discounts when you order online or click and collect on halfords.com
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In-Store
Use Trade Credit at over 400 Halfords retail stores.
What other information is available?
FAQs
Everything you need to know.
Who is Kriya?
Halfords Trade Credit is powered by Kriya, a leading provider of business payments. They specialise in providing flexible payment terms so business buyers can purchase what they need up front and pay later.
Kriya was established in 2011, and is privileged to be backed by Barclays Bank, Santander Innoventures and British Business Bank.
Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes (FCA reference no: 750199). We are a limited company registered in England and Wales (No. 07330525)
Am I eligible to use Trade Credit powered by Kriya?
Kriya offers their services to limited companies, limited liability partnerships, limited partnerships, government entities and sole traders. To be considered, your business must have been trading for a minimum of three months.
Does using Trade Business Credit powered by Kriya affect my credit score?
To assess your eligibility for using Trade Credit powered by Kriya, a soft credit search is performed against your business, or if you’re a sole trader or partnership – you as an individual. A soft credit check will not impact your credit rating.
If you are eligible, the first time you make a purchase with Trade Credit powered by Kriya, a hard search will be made. This will only happen the first time you use the service. This search will appear on your credit report. Multiple hard searches in a short period of time may affect your credit score.
What does it cost?
Using Trade Credit powered by Kriya is free. There are no transaction fees and no interest charged.
However, if you are overdue in paying your invoice (at the end of the following month) you may be subject to a late payment charge. Late payments can negatively impact your Trade Credit powered by Kriya spending limit.
Which payment methods are available for me to make repayment?
We offer common business-to-business payment methods, including bank transfers and direct debits.
How do I know when a payment is due?
Payment term information can be found on your Halfords invoice. If you still require this information, please contact the merchant you purchased from or reach out to us at support@kriya.co and we would be more than happy to assist.
What if I miss the due date?
If you miss the due date, you will receive a reminder email. Please note that late payment fees may apply if invoices remain overdue for an extended period.
How do I return my order and get a refund?
Once Kriya has processed your cancellation or return, we will process a return in five to seven working days. In the case of a return or cancellation of an order where you have not yet paid, no refund will be made. (If a return has been made the invoice will be updated before payment is needed.)