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Finance

General Finance Information

We offer both interest bearing and interest free finance options to our customers.

Credit (both interest bearing and interest free on selected products) is available on purchases of £280 including VAT or more. You can apply online, over the phone or in store – it's quick, easy and you'll get an instant decision. All credit is provided subject to status with our online retail finance partner.

Most of our extensive range is available on 0% finance, over periods of up to 36 months. You can also include accessories, and additional items as well. Repayment periods vary depending on the total order value and also by product(s), as such application needs to be done via a member of our sales team.

Classic Credit Finance

Example Finance Option (Classic Credit)
Cash Price £660.00
Deposit £66.00 (10%)
Amount of credit £594.00
Payable by 12 monthly instalments of £54.45
Typical APR 19.5%

How to Apply For Classic Credit Finance
You can apply for credit in several different ways:
• Visit our website and select the items you wish to purchase. On the check out screen, select "finance" as your payment option.
• Visit us and apply in-store. One of our sales team will complete an application form with you and email you an agreement to sign.
• Call us, on one of the numbers below, and our sales team will complete an application form with you and email you an agreement to sign.
Sales - 0843 2082180
However you apply, it only takes a couple of minutes and you get an instant decision.

Interest Free Finance

We also offer an Interest Free option.

Example Finance Option (Interest Free) *
Cash Price £660.00
Deposit £198.00 (30%)
Amount of credit £462.00
Payable by 12 monthly instalments of £38.50
Typical APR 0%
* Interest Free Finance is also limited to certain products only. Please call us for more information.

How to Apply For Interest Free Finance
• Apply online (follow the instructions in the basket)
• Call us, on one of the numbers below, and our sales team will complete an application form with you and email you an agreement to sign.
Sales - 01978 667914

Visit us and apply in-store. One of our sales team will complete an application form with you and email you an agreement to sign.
However you apply, it only takes a couple of minutes and you get an instant decision.

Criteria
To apply for finance you must meet the following criteria:
• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.

Finance Benefits
Credit is available on all purchases over £280 including VAT.
Buy the items you want now + accessories, all for a low monthly payment.
Select 6,10,12, 24 or 36 month repayment periods.
Choose a higher-spec product for a few pounds more per month.
You can include clothing and accessories.
You can spread the cost of your purchase to minimise your monthly payments.
One-stop shopping: no need to go to a bank to secure funding.
Keep cash for day-to-day expenses.
Fixed repayments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.

FAQ
How much can I borrow?
When checking out online, just fill out our easy online application form and you can be approved for up to £5,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £280 including VAT.

Is a deposit required?
Yes, on our classic credit option a 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What length of repayment is available?
You can choose a 6,10,12, 24 or 36 month loan repayment period.

Can I pay my agreement off early?
You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part at any point. If you wish to pay any amount early you must give notice to the credit provider. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you give them notice of your intention to pay an amount early, they will recalculate the amount of the remaining monthly instalments.

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