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personal finance products

Our Finance Products

We know that making an expensive purchase can be a big decision. Our loans are designed with you in mind, to make the choice that little bit easier.

No matter what you're financing – an extra bathroom to help beat the morning race for the shower, or a new sofa to replace a well-loved favourite – our personal loans, available through your retailer, are designed to help spread the cost.

  • We provide loans and finance products, through our approved network of retailers, for the following retail products:

    • Home Improvement - Kitchens, Windows, Conservatories, Heating
    • Electrical - Sewing Machines, TVs, Sound Systems, Lights Systems
    • Furniture - Carpets, Sofas, Beds, Bathrooms, Furniture
    • PC & Leisure - Personal Computing, Phones, Exercise Equipment, Cycling/Bicycle Equipment
    • Other - Jewellery, Alloy Wheels / Motor Accessories

    Product

    Personal loan - interest free

    Personal loan - with buy now pay later

    Personal loan - interest bearing

    Finance type

    Fixed-term personal loan without interest

    Fixed-term personal loan where first monthly payment is deferred for a set period or until a specified future date

    Fixed-term personal loan with equal fixed monthly payments throughout the loan agreement

    Secured loan?

    No

    No

    No

    Interest applied?

    No

    See product details

    Yes

    Loan Value

    Up to £50,000 depending on product financed

    Up to £50,000 depending on product financed

    Up to £50,000 depending on product financed

    Loan term

    1 – 5 years

    1 – 5 years

    1 – 5 years

    Product details

    When it comes to repaying your Buy Now Pay Later loan, you have a few options:

    • You can begin your repayments as planned when the first payment is due. We call it the end of the deferral period.
    • You can repay the loan in full before your first payment is due, either as a lump sum, or across several payments and you will not be charged interest. You may be charged a settlement fee, if this applies.
    • It’s also fine to repay part of your loan before your first payment, meaning you’ll pay less interest on your loan. When we receive your payment, we will reduce your loan balance by the sum of your repayment plus the interest rebate. Your monthly payment will remain the same, so this may mean you repay the loan in full sooner.
    • Once you begin your repayments you’re free to settle your loan at any time but if you make a full or partial payment after the date of the first repayment, you will not be entitled to a refund of any interest up until that date.
  • To be eligible to apply for one of our finance products, you must be:

    • 18 years or over on the date of application
    • A permanent UK resident for a minimum of three years and either:
      • In regular, permanent employment working a minimum of 16 hours a week (including students)
      • Self-employed
      • Retired from regular employment and aged 50 years or older
      • Not working due to a disability

    All applications are subject to a credit check and successfully meeting our underwriting criteria.

Managing your account

Managing your account

How to make payments, obtain an account balance and update your personal details

Your loan explained

Your loan explained

Find out about interest rates, APR and the fees associated with your loan

Need some help?

Call us

Call us today. Lines are open Monday - Friday 9am - 6pm Saturday 9am - 5pm

0800 15 22 888*

0044 123 668 1763**from overseas

*Calls to 0800 numbers are free from UK land lines and personal mobiles, otherwise call charges may apply. Please check with your service provider. Calls may be monitored or recorded in order to maintain high levels of security and quality of service.
**International calls will be charged at a higher rate – please check with your telecoms provider.