All you are required to do is approaching the store of your choice and opening a personal account with them in order to have your details recorded. This account helps keep track of your credit transactions.
Armed with the card, you as good as having the laptop and as a new applicant, you are bound to have a high credit limit, which will enable you to have the choicest laptop. All over the UK, the various buy now pay later laptop offers with these catalogues will have different terms and conditions with some giving you up to 12 months or even over to make good your payment and no interest on the same. With a store card from catalogues such as Argos, you will be rightly positioned to acquire a laptop on credit depending on your credit rating. Some will have online stores where you can make the payments online and have the laptop delivered to your doorstep.
Where your credit rating is not impressive, you should not be worried because there is the option of buying with bad credit.
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Providing you are satisfied that everything is correct you can either e-sign the agreement or print and sign the finance agreement twice and post it to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your order will be processed for dispatch.
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Each Finance option outlined above is explained in detail below; credit is subject to status and written quotations are available on request. The credit advertised is provided by Hitachi PaybyFinance with whom we have a commercial relationship. Chillblast is authorised and regulated by the Financial Conduct Authority. If you would like any further information about these finance options, or how to place an order using finance, please email sales chillblast.
Pay 12 months from now Hitachi PayByFinance. This is a buy now pay later finance agreement.
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Please note that this 12 month period begins on the date the finance agreement is proposed, not when it is signed or the goods are delivered. Should you choose not to settle the balance during the initial 12 months, then the amount owed will be repaid on a monthly basis over the next 3 years at the interest rate stated on the loan agreement. It is still possible to settle the balance early, however interest will be applied from the start of the agreement to the settlement day plus 30 days from the day you settle.
An illustration is shown below, please note this is indicative and actual monthly payments may vary by a few pence per month. Pay over 3 years Hitachi PayByFinance. This is a traditional 3 year finance arrangement which continues until completion of the 3 year term. Frequently asked questions Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the credit agreement Chillblast will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital.
Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Will you credit score me and if so, what does this mean? Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants.
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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 our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability. If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method".
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And as always, if you have any concerns please do get in touch. You'll need to e-sign your "approved finance" agreement as soon as possible to secure your delivery date. Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements. Yes you can pay off as much as you like, whenever you like. You will not be charged for paying your balance off before the end of the fixed term. You don't need much - a credit or debit card, your bank account details and your employer details.
When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've teamed up with V12 Retail Finance Limited "V12" to offer you flexible and affordable options to pay on finance.
V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc V12's parent company which will be administered by V V12 is authorised and regulated by the Financial Conduct Authority. Pay monthly finance is available for: 6, 12 and 18 months using PayPal Credit; 24, 36 and 48 months using V12 Finance.
To be eligible to apply for finance, you must be 18 or older, in regular employment, live with someone in regular employment, or retired, and have been a UK resident for more than 3 years.