How finance works

We can offer you flexible finance options on any purchase over £300.00. This applies online and in our stores.

Applying for finance online? At the point of payment make sure you choose the “pay using finance” option and checkout. You will be guided through the finance application step by step.

If you’re applying for finance in-store and plan to pay your deposit on a debit or credit card in your name, simply turn up - that’s all we need. If you’re planning on paying the deposit with cash then we’ll need proof of ID as well as your name and address on a utility bill dated within the last three months.

You can choose to spread the cost of your new product over one, two or three years with interest rates and costs fully outlined before you finalise your application. Our team will walk you through the process to ensure it’s as straightforward as possible.

Any problems then please get in touch.

 
 

FAQs

  • Our online application form typically takes less than 3 minutes to complete. It can take anything up to 15 minutes in-store.

    Once complete, your application is sent to the finance company. They will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can’t give you an instant decision you will be notified as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

  • You must meet the below requirements before applying for finance.

    -You must be a permanent UK resident and able to supply three years address history

    -You must be employment or retired and receive a gross annual income of at least £10,000

    -You need a good credit history

    -You must have a debit or credit card. This is used to debt your chosen deposit

    -You must have a UK bank account capable of accepting Direct Debits

    -The goods must be delivered to your home address or collected in-store

    -The deposit must be paid using a credit or debit card

  • 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 finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement.

  • Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

  • Yes. You must have a UK bank account capable of accepting Direct Debits.

  • Yes. If your credit application is accepted, you will be required to pay a deposit online or in-store, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

    The minimum deposit is 10%, however you can pay up to a 50% deposit if you wish.

  • Your monthly repayments are collected by Direct Debit and paid to the finance company.

  • If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

  • The finance company 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.

  • The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.