Finance your build
Making online shopping more convenient for you.
| 3 simple steps to financing your order
We understand that when it comes to building your car, sometimes you just can't wait to get the parts you need, so you can now get your hands on new parts right now - meaning you don't have to wait until you've saved up! Our financing service has been set up to help make shopping with us even easier. Simply browse our site, choose what you want, and then apply for finance at checkout. A quick decision will be made and you don't need to send us any paperwork. Buy what you want today. |
Select your product(s) from our huge range. (Basket total over £300) |
Choose 'Apply for finance' at checkout and follow the online application process. |
If approved, then just sit back, relax and await delivery of your order. |
Will I qualify for credit?
We can only consider your application if:
- You are over 18 and employed at least 16 hours per week
- You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
- You are a permanent UK resident and able to supply a UK address history for the last 3 years
- Applications from students (unless employed at least 16 hours per week), unemployed and single house persons will not be considered.
Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
Meeting the criteria does not guarantee acceptance.
Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card.
Some example figures...
Classic FinanceIn association with Pay4Later A Representative example:Total amount of credit: £1,000 Deposit of 10%: £100 Duration of agreement: 12 months 12 monthly payments: £82.49 Total amount payable: £1089.91 Representative rate of interest (fixed): 0% APR |
0% FinanceIn association with Pay4Later A 0% Finance example:Total amount of credit: £1,000 Deposit of 10%: £100 Duration of agreement: 6 months 6 monthly payments: £150 Total amount payable: £1,000 Representative rate of interest (fixed): 0% APR |
Some frequently asked questions:
How Much Can I Borrow? When checking out, just fill out our easy online application form and you can be approved for up to £5,000 to use for the item(s) you wish to purchase. The minimum order is £300.
Is A Deposit Required? A minimum deposit of 10% is required and is payable by credit or debit card upon acceptance Deposits can be up to a maximum of 50% of the purchase price.
How Are My Monthly Payments Paid? All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.
What Length of Repayment is Available? You can currently choose from several options ranging from 6-36 months and 0 or 19.5% APR depending on the products you have chosen.
How Do I Apply? You can apply via the checkout on our web-site or call our sales team on 0845 86 92 555 should you need any assistance.
Exclusions 0% Finance is currently only available on selected products and these may change at any time. Finance options are available to Retail customers only and excludes any other offers.
Finance Cancellations You can return all the items ordered on finance and the policy can then be cancelled. This will incur a 10% handling fee to cover the cost of the finance agreement.
Finance Item Replacements All items are covered under the same warranty, regardless of payment method used.
Finance Item Cancellations If you wish to cancel a item ordered on finance but keep the rest of the order, we will refund the cost of the item by means of a cheque and the finance agreement will remain in place between you and the finance company. A 10% handling fee may be charged to cover the cost of the finance agreement.
Early Repayment You can pay off finance at any point throughout your agreement and simply have to contact the lending bank (all details are in yur credit agreement) who will offer you a settlement figure which if you have had 0% interest free finance will be the outstanding balance without any early settlement fees. Obviously the 19.5% agreements will have interest calculated and included in your settlement figure.
Can I have my order shipped to somewhere else? No, your order MUST be shipped to the same address as your finance application, regardless of the shipping address you choose in the checkout.
Consumer credit service provided by Pay4Later in association with Moneyway. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.
Moneyway is a Trading name of Secure Trust Bank PLC. Secure Trust Bank is authorised and regulated by the Financial Services Authority, licensed by the Office of Fair Trading and a member of the Finance and Leasing Association. For more information please visit http://www.securetrustbank.com/
