12 Months Interest Free Credit - Buy Now Pay 12 Months Later

Our Interest Free finance scheme is what it says, Interest Free - no catch, no ties. You simply pay an initial deposit of 10% by credit or debit card and then 6, 12 or 18 equal monthly instalments, which will total no more than the cash price of your purchase.

You pay an initial deposit of 10% and then nothing for the first 12 months. At the end of 12 months you can settle the balance in full and incur no interest charge. If you do not settle the balance in full after 12 months you will then make 36 monthly payments and incur interest charges.

See the example below, which is based on the cost of the items totalling £1000 over 12 months

Cash price (inc. delivery & VAT)	£	1000.00
Deposit (10%)	£	100.00
Amount of loan	£	900.00
Total Charge for credit	£	0.00
Total amount payable	£	1000.00
Balance payable	£	900.00
12 monthly repayments of	£	75 .00
APR	0%

Buy Now Pay 12 Months Later
See the example below, which is based on the cost of the items totalling £1000 and the loan is not settled in full within 12 months.
Cash price (inc. delivery & VAT)	£	1000.00
Deposit (10%)	£	100.00
Amount of loan	£	900.00
Total Charge for credit	£	767.16
Total amount payable	£	1767.16
Balance payable	£	1667.16
36 monthly repayments of	£	46.31
APR	29.8%

To apply for credit

Choose this option after you have made your purchase by clicking on the finance option in the Checkout. You will then be taken to a secure online form. After you have completed the form click submit.

If your application is approved you will then receive a call from a member of our sales team and the completed forms through the post from Black Horse Retail Finance which you will be required to sign and return to us . Upon notification of receipt of the signed agreement we will process your order.

What happens if my application is declined?

If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or cheque). If you do not wish to proceed deposit will be refunded to your credit or debit card.

If you wish to apply for credit please be aware of the following:

1. Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.