Thinking of choosing finance?
Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online. All finance is approved and provided by Duologi which is a trading name of Specialist Lending Ltd.
Check your eligibility
Before you apply please note you will only be considered for finance if you:
- Are at least 18 years old
- Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
- Are a permanent UK resident and have lived in the UK for at least 3 years.
- Hold a UK Bank Account.
- Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
Our payment plan options
We offer an interest-free option to help you spread the cost of your purchase over 12 months. The value of the loan needs to be over £250 and you can choose a deposit minimum of 10% and up to 50% of the value of the goods.
Representative examples would be:
0% finance over 12 months
• Total order value = £3300
• 10% deposit = £330
• Total amount of credit = £2970
• Duration = 12 months
• Representative APR = 0%
• Interest charged = £0
• 12 monthly payments of = £247.50
• Total amount payable = £3300
Paying with finance
Once you have requested to pay with finance, we will set up a proposal online and send you a link. You’ll then be taken to the application form, which takes just a few minutes to complete.
Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.
Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.
In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.
Repaying the loan
Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.
A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.
For any other questions contact us on telephone or via email.
The legal bit
Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi’s credit decision policies.
Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to www.Duologi.com/faqor visit www.Duologi.com.