Interest Free Finance
Looking for a used camera or lens but you can't quite spare the cash right now?
From time to time we offer you the chance to purchase on Interest Free Credit, so you can spread the cost of your purchase. A minimum of 10% deposit is required.
Simply look for our promotions, or view the product you wish purchase, add to basket, and view the payment options available.
Applying for Interest Free Finance
Applying for Interest Free Finance couldn't be easier or more convenient. Once you've chosen the Products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout' area of the Website. Just follow the simple instructions, entering your personal details as required and we'll do the rest. A minimum of 10% deposit is required.
Terms and Conditions
Who these terms and conditions apply to: These terms and conditions apply if you are a consumer and you choose to obtain Interest Free Finance from us.
Who We are: We act as a credit broker and not a lender. Credit is subject to status and available to permanent UK residents only, over 18 years old. Finance will be provided by a third party, Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK.
Applying for Interest Free Finance online:
If you'd like to apply you must complete an on-line application form accessed via the 'checkout' on our website, and pay a minimum 10% deposit. You will be sent an email to confirm the status of your application as soon as it has been processed. If your application is approved and you accept the terms of the contract, you will return to the checkout and will proceed through to the completion of your order. Following completion, you will be able to receive a copy of your credit agreement for your records.
Eligibility: You must be between the ages of 18 and 75, work at least 16 hours a week, or be retired with an income. You must also be a resident of the UK and have lived in the UK for the last three years or more. Homemakers are not excluded from application under their own names, however the employment details of your spouse will be required in order to process your application. We can only deliver products ordered with Interest Free Finance to the home address of the applicant.
Exclusions: Consumer Finance is not available on certain products or if you are resident in Eire.
Credit testing: 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 applicants are treated fairly.
Circumstances where your your application may be refused: If your application is declined, we are not able to confirm the reason for this. Applications are usually declined due to one, or a combination of, the following:
(a) your credit score (note that every finance company will score you differently);
(b) adverse credit reference agency information;
(c) you are considered to be overcommitted;
(d) you are aged under 18; or
(e) your existing account performance with other lenders.
If your application has been refused, it does not mean that a further request will be automatically turned down but we suggest that you leave at least 3 months between applications.
How quickly your application will be processed:
If your application is received between 9am and 8pm, Monday to Friday (excluding Bank and Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, you will receive a decision within a matter of minutes.
If you submit your application outside of these hours, then you will likely receive a response the next working day.
You will be sent an email to confirm the status of your application as soon as it has been processed.
Once my application is approved, what happens next?
Within minutes of your application being approved, you'll be asked to accept the terms of the agreement - once you select YES you will return to the website checkout area and will proceed through to the completion of your order following which your order will be dispatched for home delivery.
Information held by credit reference agencies:
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.
You can obtain copies of this information by sending a cheque for £2, made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 (six) years:
Consumer Help Desk:
Experian LTD P.O. Box 8000 Nottingham NG1 5GX
Equifax Department 1E P.O. Box 3001 Glasgow G81 2DT
You can also find out more about credit decisions by visiting the above companies' websites: Experian and Equifax the above listed agencies will provide details of information relating via these addresses.
If you believe that the information is incorrect, you can ask the agency to correct it.
Delivery: Products are allocated to your order only when your application for Interest Free Finance has been approved. This means there's a small chance that the products you ordered may be sold out by the time your agreement is received. No products that are subject to your order will be dispatched until all products relating to the order are in stock and available.
Help: Simply email our customer services team at email@example.com or call on 0330 808 3324 detailing the nature of your enquiry. A customer services advisor will get back to you as soon as possible with an answer to your question.