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Managing the costs of your purchase is now even easier with Ebuyer UK online finance.
Ebuyer UK online finance is an easy and attractive way to purchase the best in new technology today and not break the bank. Our online finance options allow customers, who prefer not to pay by credit or debit card at the time of order, a flexible paying option that will give you the ability to spread the cost of your Ebuyer order over a time frame suitable to your individual budget.
What’s more? Applying for online finance couldn’t be easier. Simply chose the items you wish to order from Ebuyer’s extensive range of products online and complete a brief online application form via the Ebuyer Checkout. Once you have followed the simple online instructions and supplied Ebuyer with your personal details, sit back and let us do the rest.
Choosing the perfect finance product for you
There are two finance options (detailed below) available to Ebuyer customers, both available on orders over £250.
In summary, the key features of these options are:
| Buy Now Pay In 9 Months | APR 29.8% (variable) |
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This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product NOW, then make no further payments for 9 months. Provided you pay the final balance in full before the 9 month BNPL period expires, you will pay no interest! However, should you choose not to settle the outstanding balance in full before the BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement. |
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However, provided you pay the outstanding balance in full before 9 months has expired no interest will be charged.
Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts. Please note: If your application is accepted an arrangement fee of £29.00 will be applied.
| Low Cost Classic Finance 36 Months | APR 19.9% (variable) |
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For customers who prefer to opt for a more traditional credit package, our low cost classic finance options offer the ideal solution. 36 equal monthly payments at 19.9% APR. Classic finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low rate of 19.9% APR. |
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Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.
Please note that non-Direct Debit payments will be liable for charges.
Ebuyer UK are licensed credit brokers. Credit is subject to status and written quotations are available on request.
Frequently Asked Questions
There are a lot of questions surrounding online finance. To help our customers understand every aspect of their online finance agreement, we have answered some of the most commonly asked questions below.
Applying for Ebuyer UK online finance
Is there anyone that isn't eligible for the finance?The finance option is only available to consumers and not to businesses. We have a specific section for businesses and offer credit accounts here, please click here to take you through to the relevant section
How quickly will my application be processed?As long as your finance application is received between 9am and 8pm, Monday to Friday (excluding Bank and Public Holidays), 9am and 6pm on a Saturday, or 10am to 5pm on a Sunday, the majority of cases will be provided with a decision with minutes. If an application is made outside of these hours, a decision should be made the next working day. Once your application has been processed, a confirmation email will be sent.
My application has been approved, what happens next?Within your confirmation email, there will be a link to a downloadable version of your online credit agreement. Once downloaded, you must read the agreement carefully, sign the document and return it to our finance company. Ordered products will not be sent until a completed and signed credit agreement is returned and received by our finance company. Upon receiving the signed agreement, all ordered goods will be shipped. Please note: upon request a printed out, hard copy of your agreement can be sent and all agreements are supported with a copy of our terms and conditions.
Do you use Credit Scoring? What is Credit Scoring?Credit scoring is a process used by financial services companies to evaluate the credit risk of new applicants and will be used on your application for online finance with Ebuyer. Your credit score is based upon points received for each answer given on the application form such as age, income and occupation. These points, together with information obtained from credit reference agencies, make up your credit score. This process allows companies to produce consistent decisions thus ensuring all our applicants are treated equally and fairly. Please note: credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.
My application has been declined, why?As well as credit scoring, we also take into account a number of other factors including validation of certain application details, your identity, existing commitments and other information gained from credit reference agencies. Although we are unable to offer a specific reason why a credit agreement has been declined, the decision is predominantly based on one or a combination of the following factors:
- Your credit score (please note: every finance company will score you differently).
- Adverse credit reference agency information.
- You are considered to be overcommitted.
- You are under the age of 18.
- Your existing account performance with other lenders.
Credit reference agencies hold various types of information, whether it is public information such as electoral roll, County Court Judgements and bankruptcies, or file information from other accounts you hold with them such as payment histories and outstanding balance amounts. Any request for credit, whether successful or not, will also be filed, although the result of the request is not recorded.
Can I obtain a copy of this information?Yes. If you would like to view this information, you should send a cheque for £2, made payable to the relevant company, along with details of all the addresses you have lived at over the past 6 years, to either:
- Consumer Help Desk Experian Limited, PO Box 8000, Nottingham, NG1 5GX
Or
- Equifax Department 1E, PO Box 3001, Glasgow, G81 2DT
You can also find out more information about credit scoring, credit decision making and obtaining copies of your information by visiting the above companies’ websites at www.experian.co.uk and www.equifax.co.uk. Upon receiving a copy of your information, if you believe the information to be incorrect, you can ask the agency to amend it.
Who is my finance agreement actually with?Ebuyer have sourced the best value finance products from a range of excellent providers renowned for their customer focus. Therefore, you can shop with peace of mind safe in the knowledge your finance agreement will be with on the UK’s leading finance houses.
If my application is denied, can I re-apply?Yes. Ebuyer realises circumstances change and being refused for credit in the past does not mean future applications will be unsuccessful. We do however advise you leave at least 6 months before applying again.
Is everyone eligible for Ebuyer UK Online Finance?In order to be eligible for Ebuyer UK online finance, you must be:
- Over the age of 18
- Work at least 16 hours a week or be retired with an income
- A resident of the United Kingdom and have lived in the UK for the last 3 years or more
Unfortunately, we cannot accept applications or offer online finance to residents of Eire. Homemakers are not excluded but must submit employment details of their spouse in order for your application to be considered.
My Order
Are there any restrictions on what items I can order?No there are no restrictions. However the order value must be £250.00 or more.
Can I make an amendment to my order?Once an order has been placed no amendments can be made. If you need to amend a completed order, you will need to cancel the initial order and a new order and finance agreement will need to be completed.
Can I request delivery to an alternative address?Unfortunately, to avoid fraudulent applications, we are unable to deliver goods to an alternative address. All goods will be shipped to the home address of the applicant. Ebuyer offers a range of delivery options, including flexible weekend packages, if this is more convenient for you.
What if I have to return a product?All returns are subject to Ebuyer’s standard returns policy. Details of our Returns Policy can be found here. On items covered by a finance agreement that are returned after 28 calendar days, if a direct replacement is not available an equivalent item will be sent.
Contact information
Who do I contact in regards to my Ebuyer UK online finance?All questions regarding your online finance can be directed to the V12 Finance team on: 0844 844 4700 or operations@v12finance.com. For all information regarding order tracking or any questions relating to your order, please contact the Ebuyer Customer Support team on: 0871 528 3300 or via the online Enote system.
Ebuyer (UK) Limited
Howden
East Yorks
DN14 7UW
VAT registration number 836 5923 00
