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FAQs

• What is Buy Now, Pay Later?

  Buy Now, Pay Later (BNPL) allows items to be purchased immediately and paid for over time in smaller, interest-free instalments.

  After BNPL is selected at checkout, a quick decision is provided. This process may involve a soft credit check, which does not impact your credit score. Once approval is granted, payments are divided into equal instalments and automatically deducted from a bank account or credit card.

  When BNPL is opted for, payments should be tracked to avoid any fees or charges. The provider's terms should always be reviewed to ensure they align with the financial situation.

• What is the difference between BNPL and interest free credit?

  Buy Now, Pay Later (BNPL) and Interest-Free Credit both allow the cost of a purchase to be spread out without incurring interest, but they function differently:

  BNPL enables purchases to be split into smaller, automatic payments with minimal or soft credit checks. It is typically offered at checkout and can be set up easily.

  Interest-free credit or monthly credit involves a more formal financing plan with fixed monthly payments over a longer period, usually for larger purchases. It requires a more detailed credit check and a formal application, which may impact your credit score.

  In summary, BNPL is suited for small to large purchases, while Interest-Free Credit is more appropriate for larger, planned purchases. Both options help avoid interest if payments are made on time.

• How will I know if I am accepted for finance at the checkout?

  You will know if you are accepted for finance at checkout almost immediately. After you apply, the system will assess your application, and a decision is usually received within seconds. If approved, you can proceed with the purchase. If not, you will be notified and can choose an alternative payment method.

• Am I eligible for finance?

  To be eligible for finance, you typically need to meet the following requirements:

  - Be at least 18 years old
  - Have a valid form of identification (e.g., driver's license, passport)
  - Have a stable income or employment
  - Meet the minimum credit score requirements set by the lender
  - Be a resident of the country where the finance is offered
  - Have a valid bank account or credit card for payments

  Finance is subject to status. Please see terms and conditions for each respective finance provider for more information.

• What happens if I cancel my order?

  If you cancel your order, any payments you have made will typically be refunded to your original payment method. If you used a financing option, the finance agreement will usually be cancelled, meaning no further payments will be required, and any instalments you have already paid will be refunded. The cancellation and refund process may take a few days to complete, depending on the retailer and payment provider. Be sure to check the retailer's specific cancellation policy for detailed information.

  Please see terms and conditions for each respective finance provider for more information, for example. there is a 14-day cooling-off period if using Novuna.