Finance - How it Works

What are the requirements for finance?

You must be:

  • aged 18 or over.
  • in regular full or part-time employment (minimum 16 hours per week, unless you are retired or a houseperson with a spouse in full-time employment).
  • a permanent UK resident and able to supply a UK address history for the last 3 years.

You must have:

  • a UK bank account capable of accepting direct debits.
  • a credit or debit card with which to pay a deposit.
  • the products delivered to your home address.
  • a good credit history (no CCJs, IVAs or bankruptcies).


What finance options are available?

You can choose from 12, 24 or 36-month finance options. If you choose to spread the cost over 1

year this will be at 0% APR meaning you pay the price of the product and no more. Finance is

also available on a fixed rate and fixed term basis for over a period of 2 or 3 years at 19.9% APR.


Is finance available on all products?

Finance is available on all products as long as amount of credit you want to

borrow greater than £350 (excluding a minimum deposit of 10%).

In other words, as long as the products in your basket add up to more than £350 then finance is


How much can I borrow?

The amount you can borrow will depend on your financial circumstances. The decision will be based on responsible lending principles, which are in place to ensure that you don’t over-stretch your finances. 

Is a deposit required?

Yes, a minimum deposit of 10% must be paid by credit or debit card upon acceptance.

How are my monthly payments paid?

All monthly payments are collected automatically from your bank account by direct debit, so you don't have to worry about missing payments.

Do I have to use finance options to buy from

Not at all. If paying up front is the best option for you and your finances you can go through the checkout process as normal and pay via credit card, debit card or PayPal. The finance options are available if you want to spread the cost of your purchase.

Can I have my order sent to a different address?

No, if you choose to take a finance option the products must be delivered to your home address.

Can I pay off my loan early?

You have the right to repay all or part of the credit early at any time.

How do I apply?

To apply, simply give us a call on 0121 271 0232. We’ll be able to talk you through the application process over the phone and you’ll know instantly whether you’ve been approved. If you are approved, we’ll ask you to make the deposit payment by credit or debit card. Once that payment has been taken your order will be processed. It’s as easy as that.

CALL 0121 271 0221 to apply for finance now