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PAY ON FINANCE

FADS Finance
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£ CASH EXAMPLE (Representative Example Only. Subject to Availability. T&C's Apply)


12 months' credit (0% APR)

Customer spend £1,000.00

25% deposit £250.00

Credit facility £750.00

Monthly repayments £62.50

Number of repayments 12

Total charge inc credit £1,000.00

Pay4Later PAY4LATER CALCULATOR

Q. Can I choose the amount of months I wish to pay & the deposit value?

Our finance options are flexible and are completely suited to you. With payment options varying over 3, 6, 9 or 12 months, you have the freedom of choice to pay at a pace that works best for you. There is only a £100 minimum spend, so you can relax at the fact you are getting the products you love without any hassle.

Q. What will happen if I'm approved for a credit facility?

If we initially approve your application, your information will be passed to our third-party credit provider. They will conduct their own detailed assessment of your financial situation according to their own underwriting criteria. Please note, the credit agreement is formed upon confirmation of your order however until the goods are dispatched you will not make any monthly repayments.

Q. Is FADS.co.uk an authorised credit broker?

Yes.

Q. Who provides the finance?

Finance will be provided by Rematch Credit Ltd.

Q. Who is eligible to apply for finance?

Finance is available on all products or a total spend of £100 or more placed on our website. To apply for finance, you will need to be:

  • Aged 18 years or above
  • A UK resident for 1 year or more
  • Have a debit card or credit card in your name and registered to your address
  • Other conditions may apply and we cannot guarantee that your application will be accepted

Q. How long does the finance application take?

You will need to complete the application online and once finished you will get an instant answer as to whether your application has been successful. Our credit provider will then look your application in greater detail before making their final decision.

Q. What do I need to apply?

It's simple, to complete the application fill in the required boxes at checkout. It is important you provide accurate and detailed information for the lender to decide. You will be required to electronically provide a signature. You may be required to add documents to your application such as driving license, passport or a utility bill in order to verify yourself.

Q. What happens if my application is rejected?

Applications may not be accepted by the lender due to your personal circumstances or by not meeting strict specified affordability requirements. We cannot guarantee that your application will be accepted. If your application is not successful, you can still purchase your goods using a debit card or credit card via the checkout.

Your application may have declined due to the following;

  • You do not meet the specified criteria
  • Poor credit references
  • Credit score
  • You are overcommitted financially

Q. If I have a poor credit rating, can I still get finance?

It is solely dependent on your personal circumstances and the strict criteria required that applicants meet by our Lenders. We cannot guarantee that your application will be successful however you can complete the application online within several minutes.

Q. How much deposit do I have to pay?

No deposit will be needed for most of the financial applications. However, the lender may require a deposit for some applications.

Q. What happens if I cancel my order?

If you have changed your mind on the order, prior to the goods being dispatched, we will refund your deposit and cancel your credit agreement with the Lender. Cancelling your contract prior to the goods being dispatched will have no bearing on your credit rating. The credit agreement is formed upon confirmation of your order however until the goods are delivered you will not make any monthly repayments.

Q. What happens if I cancel or increase part of my order or receive a discount?

Do not worry, as per the answer above, we will amend the contract accordingly and this will have no bearing on your credit rating. The credit agreement is formed upon confirmation of your order however until the goods are delivered you will not make any monthly repayments.

Q. Can I return my order if I do not like it?

If you do not like your goods or wish to return them, you can do so within 14 working days of delivery. Please refer to our Terms & Conditions regarding our Returns Procedure. Once our Customer Service team has received written confirmation that you wish to return your goods, we will cancel the agreement with your Lender. Please note, there are items that cannot be returned. These are inclusive of:

  • Medical and Personal items: once these have been opened, these cannot be returned; even if they are unused.
  • Speciality order and made to order products cannot be returned

All return costs for change of mind returns are solely the responsibility of the Customer.

Q. What are my terms of agreement?

We Are a Credit Broker and therefore we do not make provide credit ourselves or make decisions about whether or not credit can be provided to you. This is done by our third party credit provider. All finance is subject to status and income. Written Quotation upon request.

*Rates and terms of credit are subject to status and are issued by the Lender when they assess your circumstances and affordability and when they approve your application. Affordability will be assessed by the chosen finance provider.

Commission Disclosure -Fees/commission may be earned from the selected credit provider. Each provider will pay a varied amount of commission dependent on length of term, rate charged, amount financed and product. We will respond to Commission Disclosure request within 14 days. Please take into consideration that all or a portion of commission earned by us will need to be repaid to the credit provider by us when agreements are settled early or fall into default.

Please see Terms and Conditions for more information.

Complaints Policy

If you wish to complain
We take all complaints seriously and welcome any feedback you may have to help to improve our service in the future. If you have are unhappy with any service that has been provided by us, please let us know so we can resolve these issues going forward and so that we can deal with your complaint appropriately.

What we will do when dealing with your complaint
We will acknowledge of your complaint within 5 working days of it being received unless we are able to resolve the complaint within the first 24 hours of receipt. If we cannot resolve the complaint within eight weeks we will write to you explaining why, along with an indication of when we expect to issue a ‘Final Response’.

Reaching our decision
Once we have adequately investigated your complaint, we will provide you with a ‘final response’ in writing, which will clearly explain the outcome of our investigations.

 

Why Shop With FADS


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