APR Explained — What 39.9% Actually Costs You
APR is the yearly cost of borrowing including fees. Worked through on a realistic basket, it's the difference between paying for your TV once and paying for it one and a half times.
Questions people ask
Do you deliver for free?
Yes — delivery is free across the UK on every order.
Why are the big catalogues so expensive?
Their model earns from interest on revolving balances. A fixed-term 0% facility earns from retail margin instead.
Do you run a credit check?
No. our plan uses its own affordability model — no hard search, no Experian or Equifax check. Applying leaves your credit file untouched.
What's the interest rate?
0% APR for the full term, every time. You pay the sticker price plus a one-off a small monthly amount activation fee, spread over 6 to 12 monthly payments.
How much can I spend?
of store credit, approved in under 60 seconds. Mix categories on one plan if you want to.