Finance

Notice : This service is no longer offered

How Does “Finance” Work?

Paying by Finance is available on loans up to £20,000 (excluding deposit) and is provided by Hitachi Capital Consumer Finance (UK) with whom we have a commercial relationship. At this time, the Finance option is only available in-store. Please contact us for any further questions or visit us in-store.

Finance is only available on orders that do not contain sale items and is not available in conjunction with any other offer. Finance is only on offer on items above a retail value of £1,000.00 with a minimum deposit of 10% applicable.

Example of Interest Free Credit

24 MONTHS 0% APR REPRESENTATIVE
Item Cost: £1500
Deposit Required: £150
Loan Amount: £1350
Interest Charged: £0
Total Amount Payable: £1500
24 monthly payments of £56. 25 @0% APR 

Item Returns

Please note that in the event that multiple items are bought using the Finance facility, the full order (i.e. any items bought within a single order which subsequently meet the £1500 threshold) must be returned. This means that if, for example, you have purchased 3 items but would like to return 1 of those items then all 3 items must be returned back to us in full.

Declined Credit Applications

If your application is declined by Hitachi Capital Consumer Finance (UK), you will be notified within 15 seconds of submitting the online form.

You also have the option to request your credit details from Experian for an administrative fee of £2. You will need to post a cheque, along with your name and address details to the address below.

Experian Help Service

P.O. Box 8000
Nottingham
NG1 5GX

If you still feel unhappy about the decision, you can write to Hitachi Capital Consumer Finance (UK) and request further details about your application. Please clearly state the reason that you are writing and provide your name, address and postcode. Post these details to:

Customer Services

PaybyFinance
Hitachi Capital Consumer Finance (UK)
2 Apex View
Leeds
LS11 9BH