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You can enquire using the online application form here, by discussing this with your current collector if you are a current customer, or by calling 01495 726565 and they will explain the easiest way for you to apply for credit.
Some goods may already be in stock and will aim to be delivered within 2-5 working days of your credit agreement being signed. Those that need to be ordered in will have individual delivery times which will be discussed at the point of order. For items such as sofas & some furniture this can be up to 16 weeks.
Your first repayment is normally due within 1 month of you receiving the goods.
There are different payment options available including payment through a standing order, Continuous Payment Authority (CPA), cash, debit card and bank transfer.
Yes, we will still consider all applications. Your credit file is just one of the factors we will take into consideration when making a decision to give you credit so don’t let that put you off.. Other factors will be your income and outgoings and if you have any previous record with us. Our goal is to try and help those most in need get back on track and provide a line of credit to customers that may not be able to use mainstream lenders due to previous poor decisions. Please see the “what is your interest rate” tab below where all interest charges are explained or visit our payment calculator.
You must have a regular income and the ability to repay the loan on time. Our lending partner, Family Finance, will consider current and previous credit history as part of the affordability assessment. We obviously cannot guarantee that everyone who applies will be successful.