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Buy Now, Pay Later!
This option offers you the option to defer payments for 12 months during which you have the choice to settle interest free by paying the amount borrowed. If you don’t settle by the end of the deferred period, interest will have accrued from the inception of the loan agreement and you can then repay by the monthly instalments.
Representative Example: Cash price of £10,000. No deposit. Total amount of credit £10,000.
If not settled in deferred period, 120 monthly payments of £215.00, 14.4%. Total charge for credit £15,800.00 Total amount repayable £25,800.00 Representative APR 19.9%
Flexible Monthly Repayments
This option allows you to spread the cost of your purchase into affordable monthly payments. Repayments are flexible but subject to the minimum repayment below. You can therefore control the term of the loan and the interest you would pay. Minimum loan Value: £1,000.00 for 60,120 or 180 monthly payments.
Representative Example: Cash price of £10,000 No deposit. Total amount of credit £10,000 120 monthly payments of £119.40, 4.3% Total charge for credit £4,328.00 Total amount repayable £14,328.00 Representative APR 7.9%.
0% Interest Free Credit
Simply pay a deposit, then we’ll work out how much you need to pay each month, interest free of course.
Your payments will be taken by direct debit each month and, of course, you can pay the remaining balance off in full at any time.
Interest free credit is available on purchases over 24 or 36 months at 0% APR.
Deferred & Preferred
If you choose this option, you’ll have nothing to pay for the first 3 months. If after this period you don’t settle, you can then repay by monthly instalments over a 60-month period at 5.9% APR.
Representative Example: Cash price of £10,000 No deposit. Total amount of credit £10,000 60 monthly payments of £194.01, 3.1% Total charge for credit £1,640.60 Total amount repayable £11,640.60 Representative APR 5.9%.
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