To apply for finance and to satisfy our pre-check criteria you will need to meet the following requirements.

• Be 18 years of age or older.
• Either yourself or your partner must be in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.
• Have been a resident in the UK for at least 3 years and will continue your residency in the UK for the duration of the agreement.
• Have a debit or credit card in your name registered to your current address.
• Have the details of your bank or building society current account available (This account needs to be eligible for direct debits. Only personal accounts can be used, business customers cannot use their business bank account details).

Our staff will endeavour to find the best finance solution for your needs. We will talk you through the various benefits of each one so that you can decide which works best for your financial requirements. Before entering into an agreement you will have time to review the details and ask any questions you may have.

At the moment, finance is exclusive to purchases you make in-store. Finance will be available for online purchases at a future date.

In most cases a decision will be made immediately. On some occasions we may need to refer to our credit lender who will review your credit application and may ask additional questions. A decision will normally take around 10 minutes. Applications made later in the day that are sent through for referral may not be resolved until the following day.

Yes - all agreements can be paid off early. However depending on the finance product you take you may incur a settlement fee or be subject to a settlement figure calculated at the time you wish to pay off your finance.

Yes - simply contact your local store where you purchased the product, or call our customer service team and we can discuss taking alternative payment for the goods you have purchased. The agreement will then be cancelled and a confirmation sent to you. Used (or activated) items cannot be returned for a refund if you decide to cancel the agreement.

Yes – if you make a payment late or miss a payment then you will be subject to additional charges as a result.