Finance Details

Option 1

Buy now pay in 9 months
This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our product range (your total order value must be above £350 to be eligible), then make no further payments for 9 months.
Provided you pay the final balance in full before the 9 month BNPL period expires, you will pay no interest!

However, should you choose not to settle the outstanding balance in full before the 9 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement. The example below is for illustration purposes only.

TYPICAL 29.8% APR variable
Cash price £1000.00
10% deposit £100.00
Amount of loan £900.00
Total charge for credit £705.63
Total payable (less deposit) £1605.63
Total amount payable £1705.63
39 monthly repayments of £41.17
Balance payable £1605.63
Arrangement fee: A one off £29 arrangement fee will be charged on all applications that are successful, even if the balance is paid within 9 month BNPL period.
Remember, provided you pay the outstanding balance in full before 9 months has expired, no interest will be charged.

Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts. Please note: If your application is accepted, an arrangement fee of £29 will be applied.

Option 2

Low cost classic finance 36 months
For customers who prefer to opt for a more traditional credit package, low cost classic finance options offer the ideal solution.
Classic finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low rate of 19.9% APR.
Here's a typical example, for illustration purposes only, based on a cash price of £1000.

TYPICAL 19.9% APR variable
Cash price £1000.00
10% deposit £100.00
Amount of loan £900.00
Total charge for credit £275.40
Balance payable £1175.40
Total amount payable £1275.40
36 monthly repayments of £32.65
Remaining balance payable £1175.40

*Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts

Credit is available to UK residents aged 18 or over. Finance will be provided by V-12 Finance Limited. Registered in England Number 03700587. Registered Office: V-12 Finance Limited, Units 19-20, Neptune Court, Vanguard Way, Cardiff, South Glamorgan, CF24 5PJ. The retailer is letsgodigital.co.uk

Applying for online finance

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Frequently Asked Finance Questions

Here are some of the most commonly asked questions regarding online finance -

How quickly will my application be processed?
If your application is online you will usually receive a decision within a matter of seconds. Occasionally there may be a delay of up to an hour if additional information is required. You will be sent an email to confirm the status of your application as soon as it has been processed

Once my application is approved, what happens next?

Within minutes of your application being approved, you'll be sent, via email, a link to your credit agreement, which can be easily downloaded. Alternatively, you can request for a printed out, hard copy of your agreement to be posted to you. All agreements are supported with a copy of the terms and conditions. Once downloaded/received, you'll need to read the agreement carefully, then sign and return it to V12, our finance company. Note that products will not be allocated to your order until your completed and signed agreement is returned and received. Shipment of your goods will follow as soon as your agreement has been returned to our finance company (usually on the next day depending on product type).

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.

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 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 aged under 18

Your existing account performance with other lenders

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.

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 to:

Equifax
Department 1E
PO Box 3001
Glasgow
G81 2DT

or

Consumer Help Desk
Experian Limited
PO Box 8000
Nottingham
NG1 5GX

You can also find out more about credit decisions by visiting the above companies' websites: http://www.equifax.co.uk/
and http://www.experian.co.uk/. 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.

Who is my finance actually with?
We use http://www.v12finance.com/for all of our finance products.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?
To apply for online finance, you must be between the ages of 18 and 75*, work at least 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 three years or more. Unfortunately, online finance cannot be offered to residents of Eire. Homemakers aren't excluded from application under their own names, however the employment details of your spouse will be required in order to process your application.

Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Can I change my order in part or whole after applying for online finance?
To ensure your chosen products are correctly delivered to you, if you need to change your order in any way, it will be necessary to cancel your order and re-key it as if it were new. We apologise for any inconvenience this may cause. If you've already received confirmation of approval for online finance letsgodigital by the time you decide to change your order, then the decision will stand from your original application. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.

Are the goods I have ordered reserved for me until the approval process is complete?
Our system is such that goods are allocated to your order only when your completed and signed agreement is received back. This means there's a small chance that the product you ordered may be sold out by the time your agreement is received. To avoid disappointment, we recommend minimising any delay by completing and returning the agreement as soon as you can.

What if I still need assistance after reading the information in this section?
Simply email our customer services team at

sales@letsgodigital.co.uk

detailing the nature of your enquiry. A customer services advisor, or a member of our online finance team will get back to you as soon as possible with an answer to your question