Eligibility & application

To apply for one of our finance products, you must be at least 18 years old on the date you apply, and a permanent UK resident for at least the last three years.

You must have an annual income of at least £6,000 and be one of the following:
• in regular full time work, working a minimum of 16 hours a week (includes students)
• retired

You must also have a mobile phone number, email address, and a UK bank account that can be set up to make Direct Debit payments.

Note: Finance is subject to eligibility and the approval of your application depends on financial circumstances and borrowing history. 

The exact information you'll need to provide will depend on what you're looking to purchase.                                  

Usually we need to know your:
• personal details (name, address, date of birth, etc.)
• contact details (phone and email)
• employment details (income, place of employment, etc.)

Retailers will also need to see:
• proof of identity (e.g. passport)
• proof of address (e.g. a statement from your bank or an energy company)

A credit search is when credit reference agencies gather information on how well you manage credit and make your payments.

This includes:

• A list of your credit account
  
• Whether you've made your payments on time
• How much credit you have available to you
• Verification of the income stated in your application
• Any public records such as CCJs or bankruptcies

This information is then used to give you an overall credit score.

When you apply for an instalment account, we’ll use these records to help us make a lending decision. This initial search will show on your credit file for up to 12 months.

In the UK, companies called credit reference agencies (CRAs) compile information on how you manage credit and make your payments. When you apply for finance, we'll carry out a search with Experian, Equifax and/or TransUnion to help make a lending decision. This search remains on your credit file for up to 12 months.

CRAs will create an information summary about you, in the form of a credit score, which includes:

• a list of your credit accounts
• details of your payments history
• how much credit you have available
• details of your net monthly income
• public records such as county court judgements (CCJs) or bankruptcies
  

If you've been declined for finance and would like to discuss our decision, you can contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00 

Our automated phone system will ask for an account number, but as you won't have one, please press the hash key (#) when prompted until you're put through to an advisor.

We’ll send you a welcome letter on your finance start date, either via email or by post. Payments usually start one month after your finance start date, unless you have a deferral period for example for a Buy Now, Pay Later account.

Your finance start date may depend on what type of goods you're purchasing and when you receive them.

• If you're collecting goods in store this can be the same day
• If you’re having goods delivered this can be on the day of delivery or collection
• If you're having goods installed as part of your purchase (such as a kitchen or conservatory), this can be the day the installation is complete.
• Your first payment will be month after your finance starts / have your goods.

If your application has been approved, but you’d like to consider your options, you have 30 days to decide whether you'd like to sign your agreement and continue with the finance.

If you applied online: We’ll send an email with a link to continue – this will remain valid for 30 days.

If you change your mind after you have signed your agreement , you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later. For more details please refer to the “New agreement” section of the FAQ’s.