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Finance


Am I eligible to apply for online finance?

 

You must be between the ages of 18 and 85*

Work at least 16 hours a week, or be retired with an income

You must also be a permanent resident of the United Kingdom ad have lived in the UK for the last three years or more.

 

How much can I borrow?

Between £250 – 15000

 

How are my monthly payments made?

Your monthly repayments will be taken via direct debit from your chosen bank account and the date can be amended to suit your personal circumstances.
Representative example of Interest Free credit:
Total Product Value - £1,000
Less deposit (10%) - £100
Amount of credit - £900
Payable by 12 monthly instalments of – 75 Other Charges - £0
Total amount payable APR typical 0% - £1,000

 

How to apply

Please select finance as your payment method where you will be redirected to payment provider to complete your finance application. You will be required to fill in your details accordingly and they will assess your credit application and give a decision on approval.

 

 

How quickly will my application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, you will receive a decision within a matter of minutes. If you submit your application outside of these hours, then you will likely receive a response the next working day. You will be sent an email to confirm the status of your application as soon as it has been processed.

 

Paying off my loan early?

You can pay off your balance or make an over-payment at any time without paying any extra charges.

 

Once my application is approved, what happens next?

Within minutes of your application being approved, you'll be asked to accept the terms of the contract - once you select yes you will return to the checkout and will proceed through to the completion of your order following which your order will be dispatched for home delivery. Following completion, you will receive an email with a link to download a copy of your credit agreement for your records.

 

Will you credit score me and If so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

 

Could I request delivery to an address?

No, we can only deliver goods to the home address of the applicant.

 

Are the goods I’ve ordered set aside for me until the approval process is complete?

No, your goods are allocated to the order only when your eSigned agreement is confirmed and the 10% deposit processed. Please note the deposit cannot be paid using Paypal and must be paid on the card used as a proof of identification. 

 

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

 

If you decline my application, what is the reason?

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

 Your credit score (note that every finance company will score you differently)

 

Adverse credit reference agency information

You are considered to be over committed

You are aged under 18

Your existing account performance with other lenders

 

 How do I obtain a copy of this information?

You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
Consumer Help Desk
Experian Limited
PO Box 8000
Nottingham
NG1 5GX

Equifax
Department 1E
PO Box 3001
Glasgow
G81 2DT

You can also find out more about credit decisions by visiting the above companies' websites: 
ExperianEquifax. The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

 

If my application is not successful, could I reapply?

Yes, at least three months after a previous application. 

 

What if I still need assistance after reading the information in this section?

Simply contact our customer services team on 01422 355557 or alternatively email us at sales@bradburysonline.com with the full detail and nature of your enquiry. A member of our team will get back to you as soon as possible with an answer to your questions.

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