Finance options for on a
Deposit:
Finance amount:
| Term | % APR Typical | Monthly Payments | Total Payable | Total Charge for Credit |
|---|
How To Apply For Finance
All of our finance options are integrated in the checkout system.
Add your chosen prodcuts to the basket, and when you go through the checkout, simply select the finance option you require.
Follow the on-screen prompts for your instant online decision.
Finance Terms
There is NO administration fee's payable on any of our finance schemes.
In order to apply for credit, you must:
- Be at least 21 years of age.
- Be either:
- in full time employment (i,e. 16 hours, or more, per week) or
- self-employed or
- retired and over 50 years of age or
- in receipt of an invalidity or disability allowance.
- Have been a UK resident for 3 years or more.
- Be able to make repayments by direct debit
- Provide your previous address if you have lived at your current address for less than 3 years.
- Have an order value of over £375.00
Payments by direct debit, credit subject to status, written quotations available on request.
Our finance is supplied by V12 Retail Finance.
Frequently Asked Question
How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined, however, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.
If my application is accepted what happens next?
If your application for credit is accepted you need to sign and return the credit agreement to Hitachi Capital Consumer Finance. Your order will be despatched to you once they have recieved the signed application and completed the necessary checks.
What is credit scoring?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.
If I have been refused credit can I apply again?
We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest however, that you leave at least 9 months between applications.
Who is my finance with?
V12 Retail Finance.
Who is eligible for finance?
To apply for Finance, you must be over 21, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom* and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.
Why has my application been declined?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
Your credit score (note that every finance company will score you differently)
You are aged under 21
You are considered to be overcommitted
Your existing account performance with other lenders
What finance plans do you offer?
All of our finance packages are shown above.
What type of information do credit agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
Can I obtain a copy of the information credit agencies hold about me?
Yes, all three credit reference agencies offer online and offline services to allow you to review your credit file. Please see their web sites for further information
http://www.callcredit.co.uk
http://www.experian.co.uk
http://www.equifax.co.uk
Can I have my order delivered to somewhere other than my home address?
In order to safeguard applications orders that are being paid for by finance can only be delivered to your home address.
