Applying for credit couldn't be easier or more convenient. Available on most products online, minimum order value of £300. 10% Deposit required at checkout. Nothing else to pay for 12 months No interest payable if settled in full within 12 months £29.00 Settlement Fee paid direct to Finance Company (Barclays or Hitachi Capital) Just select the 'Buy Now Pay Later' option as the 'Payment Method' on the 'Shopping Basket' page. Complete the credit application form and once you have been accepted you will receive a contract both by email and in the post for you to sign and return in a pre-paid envelope. It really is that simple.
Typical example: Cash price £1000.00. You pay a 10% deposit (£100) leaving a balance of £900.00 plus £29 settlement fee = £929.00. Total payable £1029.00 with no interest added.
If you do not settle in the 12th month you must typically pay 36 monthly payments of £38.58. Total payable £1388.88 @ 19.9% APR.
1. Pay nothing during the deferred period of 12 months and then pay the amount borrowed in one lump sum plus the settlement fee of £29 before the anniversary date. This means that there will be no charges or interest payments.
2. Pay any amount you like; as little or often as you like during the deferred period of 12 months by either credit, debit card or cheque, without incurring any penalties. As long as you ensure the amount you borrowed plus settlement is paid off before the end of the deferred period there will be no charges or interest to pay.
3. Pay nothing for the deferred period of 12 months and then pay over either over 36 equal monthly instalments at a 19.9% APR or 48 equal monthly instalments at 29.8% APR.
In order to apply for credit you must:
a. Be at least 18 and under 85 years of age.
b. Be either: in full time employment (e.g. 16 hours, or more, per week) or self-employed, a full time student or retired and over 50 years of age or in receipt of an invalidity or disability allowance.
c. You must be a UK resident for 3 years or more or provide a previous address if you have not lived at your current address for at least 3 years.
d. Have the ability to make repayments by direct debit.
Credit is subject to status and written quotations are available on request. Terms & Conditions apply.