Buy Now Pay Later

Applying for online finance

We are pleased to offer our customers a choice of finance options

With option 1 below you benefit from NO DEPOSIT, NO PAYMENTS and NO INTEREST* 

*If balance cleared by the due date. £29.00 settlement fee payable



We are pleased to offer our customers a Buy Now Pay Later facility on all items over £200.

This means that you can order the goods you want today and not worry about paying anything for 12 months.

You can choose to pay in full by the end of the interest free period (final settlement of £29); alternatively, you can spread the cost. If you decide not to pay in full during the interest free period, no problem, you will automatically revert to an interest bearing option, at typical 29.8% APR, spread over 48 monthly payments.


Spread the Cost with Flexible Finance

Flexible repayment options are available on all items over £200, making those important purchases easier to manage.

You can choose to spread the cost over 24, 36 or 48 months, with an interest rate of just 19.9%.

Just follow the steps below to make your application.

Representative Example
Order value (cash price) £300, total amount of credit £300 with no deposit to pay,           19.9% representative APR, 36 monthly payments of £10.89, total amount payable £392.04.

This gives you complete control, even if your circumstances change.

This facility can be arranged over the telephone within a few minutes when we email you with a secure link to complete the finance application at your convenience.

Once approved, simply digitally sign the finance agreement and your sales consultant will contact you to confirm delivery or collection arrangements.


Follow 3 easy steps to arrange our Buy Now Pay Later interest free option…

1. Select the product(s) you wish to purchase;
2. Call 01253 699009 to apply for credit OR visit us in-store;
3. For Buy Now Pay Later, pay the balance back to the finance company whenever you like within the deferred period, and pay no interest.

Just call 01253 699009 or visit us in store… and leave it to us need to know more vist it here 


Please note:
1. We cannot ship a finance order to a different delivery address.

All finance orders must be delivered inside the Customer’s current residential address. 2. You cannot apply for credit if you have not been a resident of this country for 3 years, if you are receiving unemployment benefit or are under 18 years of age.
3. Minimum order value of £200 after deposit.

Credit is subject to status, arranged by Appliance Spares Direct Ltd.


Buy Now Pay Later Finance Example

Buy Now Pay Later with payments deferred for up to 48 months

Spread the cost with our buy now pay later finance available online and in store.

Our simple buy now pay later (BNPL) finance options allow you to spread the cost of your purchase over 48 months, with the first payment deferred for 6, 10 or 12 months. Settle your agreement within the agreed period and pay an early settlement fee of £29.00. Minimum 10% deposit required.

All you need to do is:

  1. Spend a minimum £225 and above
  2. Place a minimum 10% deposit
  3. Minimum finance amount after deposit £200 and above

We offer 3 simple finance options to help you spread the cost of your purchases.

  • 48 months buy now pay later finance, with the first payment deferred for 6 months on orders of £225 and above
  • 48 months buy now pay later finance, with the first payment deferred for 10 months on orders of £225 and above
  • 48 months buy now pay later finance, with the first payment deferred for 12 months on orders of £225 and above

Representative example:

Cash price       £1,000
Deposit            £100
Loan amount   £900
29.8% APR representative
Interest rate     21.37% fixed
48 monthly repayments of £38.78
Total term of loan agreement 48 months, with the first payment deferred for 12 months
Total charge for credit £961.44
Total amount payable £1961.44
If you pay the full amount plus the £29.00 fee within the deferred period then there is no interest charged

Finance FAQ 

How do I choose to pay by Finance?

Just select the finance option on the checkout page or let the sales consultant know if you’re buying in our showrooms.

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.


Your questions answered

Here’s some of the most commonly asked questions regarding online finance.

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 to 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 Appliance Spares Direct Ltd 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 your 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. 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:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

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.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant. 

Credit subject to status and affordability. Terms & Conditions Apply. (Appliance Spares Direct) are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Capital Consumer Finance, a division of Hitachi Capital (UK) PLC authorised and regulated by the Financial Conduct Authority.