Interest Free Credit

Available only in store

If you intend to take advantage of 0% Finance please bring with you; a copy of your passport or driving licence and a utility bill dated within the last 3 months.

Available for 6 months on purchases above £500.00
Available for 12 months on purchases £1000.00 - £1500.00
Available for 18 months on purchases £1501.00 - £2000.00
Available for 24 months on purchases above £2001.00

Credit is subject to status, applicants must be employed or self employed working more than 16 hours per week, over 18, and a UK resident for more than 3 years. 0% finance isn't available on sale items.

Typical example:

Cash price £500.00

Min deposit 10% £50.00

Amount of credit £450.00

Payable by 12 monthly installments of £37.50

Total amount payable £500.00

Typical APR 0%

Our Facailities are provided my Moneyway

Should Your Application Get Declined:

Your application will have been given full consideration through Moneyways Finance's credit scoring system. This system takes into account information provided directly by you, on your completed application form. Points are allocated to each piece of information supplied and then added up to produce a total score. A Credit Reference Agency will also have been contacted and a score applied to the information they hold about you.

Your application may have been declined either due to the score attributed to your application details or the score from the Credit Reference Agency, not meeting Moneyways minimum requirements.

As your application may have been declined due to information from a Credit Reference Agency, in accordance with section 26 of the Consumer Credit Act 1974, Moneyways are required to notify you that the Agency consulted on your applications was:-

Experian Help Service
P.O. Box 8000
Nottingham
NG1 5GX

The Agency will be happy to provide you with a copy of your file if you write to them direct enclosing a £2.50 administration fee. If your application was declined due to the score attributed to your personal application details the information you receive from Experian may not show anything detrimental.

We understand that you may be unhappy with Moneyway's decision and wish to discuss the matter further. Unfortunately, due to the Data Protection Act they are unable to discuss this with you over the telephone. However, you can write to the address details provided by Moneyways finance in the decline letter which you were provided with on the decision page of application, they will be happy to provide you with more information regarding the decision.

Please rest assured that Moneyway's decision to decline your application is known only to yourself and us and has not been disclosed to any outside organisation.

As a member of the Finance and Leasing Association (FLA) and the Consumer Credit Trade Association Moneyways follow the principles of the FLA's "Guide to Credit Scoring" agreed with the Office of Fair Trading.