Mon-Fri: 9am-6pm

We now have a great retail finance solution available for our customers.

Instead of paying for the PC up front, you can split the cost into payments. You can choose to pay for the PC over 12, 24, 36, 48 or 60 months. A deposit of 1% is required, the Classic credit APR is 14.9% .

How to apply for finance? Simply go through the order process and select the system you want. Then go through the checkout process and select "Finance" as the payment option. Once the order has been reviewed (within 24 hours on weekdays) you will be sent a link to complete the finance application online. In most cases you'll get an instant decision on whether you qualify for finance.

You must be over 18 years of age, in employment and a UK resident for at least the last 3 years. Approval subject to a credit check.


Example:

24 Months Classic Credit (14.9% APR)

Consumer Spend £1,000.00

10% Deposit £100.00

Advance £900.00

Monthly Repayment £43.20

Number of Repayments 24

Total charge for credit £136.77

Total payable £1,136.77

 

Wired2Fire Ltd

We work exclusively with Shawbrook finance as a lender.

Wired2Fire Ltd

FACS House

37-39 Holmesdale Road

Dorking

RH5 4HS

 

Shawbrook Bank Finance

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.  Minimum order value £500. A 1% deposit is required.

 

Shawbrook Bank Limited is an operating entity of Shawbrook Group PLC Shawbrook Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

 

We may pay brokers some consideration if they introduce business to us. For more information please visit https://www.shawbrook.co.uk/

 

Divido

Divido is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Divido act as a credit broker and not a lender. Divido can introduce you to a limited number of finance providers. For more information please refer to their frequently asked questions or visit https://www.divido.com/.

 

FAQs

 

What is a Personal Loan?

A personal loan is an unsecured loan. It is a small borrowing of a fixed amount, usually between £1,000 and £25,000, which is set at a fixed interest rate across a fixed term.

 

Who can apply for a Personal Loan?

Anyone who meets the below criteria can apply:

  • Aged between 21-75
  • A UK resident for a minimum of 3 years
  • Minimum annual income of £15,000
  • Have a UK Personal Bank Account

 

How much can I borrow?

You can borrow between £1,000 - £25,000 in multiples of £1,000.

 

Do I have to be a home owner to apply for a loan?

No, the personal loan product is also available to private tenants over the age of 21.

 

How quickly can I get a decision?

In most cases you could get a decision immediately after you have submitted your application. However in some cases we may need further information from you before we can give you a decision.

 

What happens after I have a decision?

After you get a decision you will have the choice whether or not to accept it. You have 30 days to decide. Once you accept the decision you will be sent your e-signature pack to review and sign your loan documents.

 

What is e-signature?

E-signature is a way to sign your loan documents online – no need to post. 

 

How soon will I get my money?

If your loan application is successful, funds will be transferred into your account within 3 working days after we receive your signed loan documents.

 

What if I do not have an email address?

If you do not have an email address or would not like to correspond by email we can send you the pack in the post.

 

How is my interest rate calculated?

Interest is calculated daily but applied monthly.

 

What does Representative APR mean?

The “Representative APR” is the rate that most of our customers applying as a result of an advertisement are likely to receive. It's a way to compare the interest rates for different providers. Actual rates may vary depending on personal circumstances and we'll let you know your personal loan rate during the application process.

 

Do my payments change with the change in the Bank of England rates?

No, your loan is a fixed monthly repayment, which means that the interest rate is fixed for the term of your loan and your monthly repayments will not change.

 

Can I repay my loan early?

You can repay all or part of the outstanding balance of your loan at any time. If you wish to repay all or part of the outstanding balance you should contact us at P O Box 852, NEWPORT NP20 9LJ or alternatively by telephone on 0345 650 6290. We will provide you with a settlement quotation, which will tell you the amount that you have to pay.

 

Is there an early repayment charge?

Yes, there is an early repayment charge. The early repayment charge will include 28 days’ notice and an additional 30 days interest that we are entitled to charge.

 

How do you assess what rate to charge me?

When you apply to borrow money, we will use a credit score to help make a decision on whether to lend the money or not. When you apply to borrow from us, your score will be based on information from credit reference agencies. With a good credit history and payment record you're likely to be given a good credit score. If you've had many credit cards and loans, have missed payments and made lots of lending applications you may get a lower score. A low score may mean you're lent less money, given a higher interest rate or your application is turned down.

 

Why have I been declined?

There could be a number of reasons why you have been declined as each decision is based on your personal circumstances and by reference to a credit reference agency. The most common reasons for a decline decision are:

  • Information from Credit reference agencies
  • Your credit score
  • Our internal policy rules

 

Which Credit Reference Agencies do you use?

We use Equifax and Callcredit as our reference agencies. Their details are as below

Equifax Limited
www.equifax.co.uk
0800 014 2955
0333 321 4043

Callcredit Ltd
www.callcredit.co.uk
0870 060 1414

 

How does getting a quote from you not affect my Credit rating?

We use a “Soft Credit Search”, also known as a “Quotation search” to take a look at an individual’s credit report without leaving any footprints visible to other lenders when they look at your credit report (however you can still see them).

With soft search, we will let you know whether we are likely to approve you for a loan without leaving a mark on your credit score.