Pay for your PC, however it suits you

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 or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for 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 overcommitted.
• You are under the age of 18.
• Your existing account performance with other lenders.

In the event that our finance provider declines your finance application, your deposit is returned to you as quickly as possible. Some banks may take up to 5 working days to process the return.

Absolutely. This arangement can only be made through our sales team, please give us a call or an email to arrange your purchase.

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.

You should send a cheque for £2.00 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 Ltd, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

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.

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

To apply for finance, you must be over the age of 18, work a minumum of 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application. Specific examples of non eligibility are listed below;

• Unemployed without a spouse/partner in full time employment
• Temporary positions/agency workers
• Unregistered child-minders
• Foster carers without a spouse in full time employment
• Full Time Students (other than trainee nurses or doctors)
• Supply teacher without permanent contract to specific school
• Purchases of goods and/or services for business use

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday deliveries can be arranged if this is more convenient for you.