Once you've decided which product you want, you can spread the cost by selecting from one of our TWO great finance options. Either BUY NOW PAY LATER over 48 months deferred for either 6/10/12 months or Interest Baring Finance over 24/36/48 months. In both instances all you need to pay as a minimum deposit is 10%
Buying on finance couldn't be easier. Call Us on 01707802030 and we will send you a secure link to complete your application.
Finance Available on Basket Value of £600 and over
Online Finance coming soon
Finance is available to permanent UK residents ONLY
Our finance agreements are provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC, Authorised and Regulated by the Financial Conduct Authority.
Buy now pay later with payments deferred for up to 12 months
BUY NOW PAY LATER finance options allow you to spread the cost of your purchase over 48 months, deferred for upto 12 Months.
Monthly repayments will start 6, 10, or 12 months after signing your finance agreement. You can settle your agreement within the agreed deferral period and pay an early settlement fee of just £29.00.
Minimum loan amount: £200.
BUY NOW PAY LATER with payments deferred example
|LOAN AMOUNT ||DEPOSIT (10%) ||DEFERRED 6 MONTHS ||DEFERRED 10 MONTHS ||DEFERRED 12 MONTHS |
|£999.00 ||£99.90 ||48 Payments of £34.01 ||48 Payments of £37.09 ||48 Payments of £38.74 |
BUY NOW PAY LATER Representative example:
Cash Price: 999.00
Loan Amount £899.10
29.9% APR Representative
48 Monthly Payments of £38.74
first payment deferred for 12 months
Total charge for credit £960.42
Total amount payable £1959.42
Up to 48 months 19.9% APR representative interest bearing finance
Interest bearing finance allows you to choose a payment period to suit you. Either 24/36/48 Month options are available.
Interest Bearing Finance Example:
|LOAN AMOUNT ||DEPOSIT (10%) ||24 MONTHS ||36 MONTHS ||48 MONTHS |
|£999.00 ||£99.90 ||24 Payments of £45.02 ||36 Payments of £32.64 ||48 Payments of £26.55 |
Interest Bearing finance Representative example:
Cash Price: 999.00
Loan Amount £899.10
19.9% APR Representative
48 Monthly Payments of £26.55
Total charge for credit £375.30
Total amount payable £1374.30
Here's some of the most commonly asked questions regarding finance.
Once your application is approved, what happens next?
Within minutes of your application being approved, you'll be sent via email, a link to your credit agreement, which can be easily downloaded. Once received, you'll need to read the agreement carefully, then sign and return it to our finance company at the address shown. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (note that every finance company will score you differently)
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names; however we will require the employment details of your spouse in order to process your application.