The Fees Catalogues Don't Put on the Homepage
Late fees, account fees, deferred interest and optional insurance quietly added at checkout. What to look for before you agree to anything.
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.