Pay on Finance

We know purchasing any of our products is an investment, that's why we offer the option to Pay on Finance. If you spend £250 or more online, you can choose to spread the cost of your purchase over a time to suit you, whether it's 6, 9, 12, 24, 36 or 48 months. Just select the Pay on Finance option when you check out.

It's as easy as:

•  Add your products to the basket
• Select Apply for Finance at the checkout
• Complete the easy application

Representative Example

We want our Pay on Finance option to be as easy to understand and straightforward as possible. We've created the chart above to tell you how much you'll pay back per month. On selected products Interest Free payment options will be available as part of specific promotions.

Finance Terms and Conditions

Pay on Finance for interest-bearing credit products is available over 12, 24, 36 or 48 months, subject to status. From time to time, we may offer an interest-free credit product over 6, 9, 12 or 18 month terms, at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, Creation Finance. If your application is successful you’ll enter into a credit agreement with Creation Finance. 

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

FAQs

Who is eligible for finance?

Finance is available on orders of £250 or more, placed on our website. This amount includes any additional services and delivery options selected. You'll need to be:

• 18 years or older.
• A UK resident for 3 years or more/Permanent UK resident.
• Be able to make regular repayments by Direct Debit.
• In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
• Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.

* If you are retired and receive a pension, Creation Finance may ask for proof of sufficient income.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Creation Finance – our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It’s important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full via PayPal, Pay with Amazon, or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

• You do not meet the eligibility criteria;
• Adverse credit reference agency information;
• Your credit score;You are considered to be overcommitted financially; or
• Your existing account performance with other lenders.

If you wish to appeal the decision made by Creation Finance, it’s advised you obtain an up to date copy of your credit report before appealing.

Terms & Conditions apply

Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Home Leisure Direct Limited acts as a credit intermediary and only offers credit products from The address of Home Leisure Direct Limited is Unit 8 Redhill Farm Business Park, Marshacre Lane, Elberton, Bristol, South Gloucestershire, BS35 4AL.