Finance

FINANCE OPTION 1

FLEXIBLE FINANCE FOR ANY BUDGET

Spread the cost of the items you need with our range of flexible finance options
to suit any budget - from names you can trust.
You have Two Flexible Finance Options To Choose From

Our flexible repayment options allow for large investments to be much more manageable. If you spend over £99, you can spread the cost over a period of up to 4 months

How PayPal 0% offer works.

0% interest offer you can use again and again.

PayPal 0% interest offer is better than just an introductory offer. Simply spend over £99 and you get 0% interest for 4 months on that purchase. The great thing is you’ll automatically get 0% for 4 months every time you spend over £99.

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using.

It's as easy as...

Representative example

Below is an example of a £500 purchase:

Term	Provider	Amount	Minimum Spend	Deposit	Payments	Total Payable	Interest Charged
4 Months	Paypal	£500	£99	£0	£125	£500	£0

Paypal - Finance Terms and Conditions

In order to be eligible 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. Other conditions may apply and we cannot guarantee any successful applications. If you cancel your credit agreement and have already received your products, you will be liable to pay us for the product in full (unless your cancellation rights apply).

When applying for PayPal Credit a small authorisation charge (around 50p) may be taken against your credit or card in order to verify your identity. Money will not be be taken from your card unless where is a deposit for finance, in which case this may be reserved from your account. If your application for finance has been declined these funds will be unavailable for up to 5 working days.

Pay monthly finance is available for up to 4 months using PayPal Credit. If you have been deemed eligable and your application is successful, you will enter into a Credit Agreement with PayPal on up to 4 months finance.

To find out more, please visit PayPal's FAQs page here.

FINANCE OPTION 2

How Omni Capital 0% offer works

As an alternative finance option, Omni Capital offers 12 months finance interest free and has a quick and easy application process. The minimum required deposit is £300 or 30% whichever is greater and a minimum spend of £1,000.

Payment Options

On purchases over £1,000 Banyo gives you the option of having a totally interest FREE 6, 9 & 12 month payment plan. All payment plans are subject to an initial 25% deposit or £250 whatever is greater.

How It Works

1. Simply add the products you wish to purchase to your basket.
2. Once finished shopping, proceed to the checkout.
3. You will be presented with your payment options - Credit/Debit Card, Paypal etc... or ) 0% Finance. Selecting 0% Finance will take you into a quick easy online application, on completion you will be provided with an instant decision.
You can complete the whole process online, there is no paperwork or Physical signature required.

Instant Online Decision

You can complete the whole process online, there is no paperwork or Physical signature required. A fully paperless process, a Quick & easy online application with instant decision.
On acceptance the process is completed with eSignature , meaning no paperwork to fill in, post or scan.
Nexus has always strived to help its customers by keeping a vast product range at prices as low as possible. Nexus is pleased to introduce a brand new range of credit facilities to increase the payment options to our customers.
Maybe you are renovating, moving home or your simply looking for something new. In today's financial climate not everyone will have the disposable income to make these purchases all in one go.
This is where our credit facilities can be a big help, we have a range of different options available for you to choose from. Our credit options allow you to choose from several variants to make sure you receive a package that is right for you.

If your application is approved you will be emailed notification. You would then need to call us to make the deposit payment, Once this has been taken your order will then be processed. We will then contact you once your goods are ready for dispatch and this is the time that your finance agreement starts.

You can settle your agreement early at any time during the period without penalty by contacting the finance company directly and asking for a settlement amount.

Criteria

To apply for one of our credit options you must meet the following criteria:

You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must be in full-time employment unless retired or living with a spouse in full-time employment.
You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your home address (submitted on your application).

Why Use Credit?

Credit is available on all purchases where the overall order value is over £500 Choose from 6, 9 or 12 month repayment periods. Spread the cost to minimise your monthly payments. One-stop shopping- no need to go to a bank to secure funding. Keep cash for day to day expenses. Fixed repayments? Your payments are fixed for the duration of the agreement allowing you to budget more effectively.

Example Options

Example Finance Option (Interest Free)

Monthly Repayments

All monthly payments are paid by direct debit from the applicant's bank account. Typically the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.

Omni Capital - Finance Terms and Conditions

As an alternative finance option, Omni Capital offers 12 months finance interest free and has a quick and easy application process. The minimum required deposit is £500.