Interest Free Finance

If you would like to apply for consumer finance you must complete an online application form accessed via the 'checkout' page on the Website. You will be sent an email to confirm the status of your application as soon as it has been processed. Any application for consumer finance is subject to approval by the relevant Lender. If your application is approved and you accept the terms of the consumer finance contract, you will return to the checkout and will proceed through to the completion of your order. Following completion, you will receive an email with a link to download a copy of your credit agreement for your records.

Depending on the Product purchased, and subject to availability, typical consumer finance deals may include:

· 12 or 24 months Interest Free Finance;      

· 24 or 36 month Interest Bearing Credit at the representative interest rate applicable at the time; or      

· Pay in 3, so that you pay the purchase price in 3 interest free instalments.

Interest and deposit: Depending on the consumer finance deal, consumer finance orders may be subject to a minimum deposit of 10% or 20% which will be taken from your Debit/Credit Card once your order has been confirmed and approved.

We and/or the Lender reserve the right to withdraw or amend any credit products from time to time at our/their sole discretion.

Representative example of 0% APR interest free finance

Interest Bearing Finance

Interest bearing finance is available on most products, simply view the product you wish to purchase and then click the 'Finance Options' tab which will display the various Finance Options available for you. 

• Spread the cost with 19.9% APR 
• Available on selected products
• Deposit required
• Repayments over 24 or 36 months
• Eligibility criteria applies

Representative example of interest bearing finance

How to apply

Simply choose the products you would like to purchase, go through to the checkout, select 'Apply for Finance' and follow the simple instructions to complete your purchase.

What is the eligibility to apply?

·      You must be between the ages of 18 and 75

·      Work at least 16 hours a week, or be retired with an income

·      Be a resident of the UK and have lived in the UK for the last three years or more

Which products are eligible for purchase under a finance agreement?

Simply check on the product page for ‘finance options’ to see if your chosen product is eligible.

Do I need to pay a deposit?

Interest and deposit: Depending on the consumer finance deal, consumer finance orders may be subject to a minimum deposit of 10% or 20% which will be taken from your Debit/Credit Card once your order has been confirmed and approved.

We and/or the Lender reserve the right to withdraw or amend any credit products from time to time at our/their sole discretion.

How will I make the repayments?

Full details of your repayment plan will be detailed in the credit agreement.

For more information see our terms and conditions.

BE AWARE

You are solely responsible for deciding whether to apply for consumer finance having regard to your own circumstances. You should not take out any consumer finance or use any pay by instalments option if there is any risk that you cannot afford to make the purchase and/or you will be unable to keep up with and make any payments on time and in full.

You must be aware of the risk of penalties, additional interest payments or other costs in the event that you fail to keep up with any repayments or otherwise breach the terms of a consumer finance agreement.