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Pay By Finance
| Total Amount | 536.60 |
|---|---|
| Deposit (min 10%) | 53.66 |
| Loan Amount | 482.94 |
| Interest Option | Deposit | Loan Amount | Months | Deferred Months |
APR | Monthly Payment |
Total Amount Payable |
|---|---|---|---|---|---|---|---|
| 24 Months Credit (IBC) | 53.66 | 482.94 | 24 | 0 | 19.90% | 24 * 24.18 | 633.98 |
| 36 Months Credit (IBC) | 53.66 | 482.94 | 36 | 0 | 19.90% | 36 * 17.53 | 684.74 |
| 48 Months Credit (IBC) | 53.66 | 482.94 | 48 | 0 | 19.90% | 48 * 14.26 | 738.14 |
| Buy now pay later 48 months
* (6 Months Deferred) |
53.66 | 482.94 | 48 | 6 | 29.80% | 48 * 18.26 | 930.14 |
| Buy now pay later 48 months
* (10 Months Deferred) |
53.66 | 482.94 | 48 | 10 | 29.80% | 48 * 19.92 | 1,009.82 |
| Buy now pay later 48 months
* (12 Months Deferred) |
53.66 | 482.94 | 48 | 12 | 29.80% | 48 * 20.81 | 1,052.54 |
The figures shown are an illustration based on the cost of goods. Final details including shipping and discounts where applicable will be displayed on the checkout page.
Representative Example: Buy Now Pay Later
• Cash price £1,000
• Deposit £100
• Loan amount £900
• 29.8% APR representative
• Interest rate 21.37% fixed
• 48 monthly repayments of £38.78
• Term of loan agreement 48 months, with the first payment deferred for 12 months (Total term of loan agreement is 60 months)
• Total charge for credit £961.44
• Total amount payable £1961.44
• Early Settlement Fee £29
Representative Example: Interest Bearing Credit
• Cash price £700
• Deposit £70
• Loan amount £630
• 19.9% APR representative
• Interest rate 10.23% fixed
• 36 monthly repayments of £22.87
• Total term of loan agreement 36 months
• Total charge for credit £193.32
• Total amount payable £893.32
| Financial Product Name |
Definition |
|---|---|
| Interest Bearing Credit (IBC) | The consumer pays the cost of the purchase less the deposit spread evenly over the term of the loan with interest at a defined APR. |
| Buy Now Pay Later interest bearing | The consumer has nothing to pay for the first 6, 10 or 12 months (the “deferred period”) and if the balance is paid during that period then no interest is due, however an early settlement fee of £29 is due if the loan is settled within the deferred period. |
Broker Disclosure :
Credit subject to status and affordability. Terms & Conditions Apply. Techsurgeons Ltd, trading as Home Appliance Store are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.
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