Herma Portfolio A4 Natural Wood Folder

*Pay in 24 installments with Klarna, APR 21.90%: Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. 18+. UK residents only. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of £1200 repayable over 24 months at an interest rate of 21.9% p.a. (Fixed). 23 monthly payments of £61.06 and last payment of £55.01. Total amount payable of £1,463.39. Total charge for credit £263.39. Minimum and maximum purchase amount £250 - £10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs apply. Pay in 3: 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. T&Cs and late fees apply.