Please Note : The only finance option we can currently offer to ROI Customers is through Paypal
We're often asked if we provide finance and if you're based in the UK then yes we’ve got a number of simple payment options to help you spread the cost and make big purchases more manageable....
All you need to do is:
*Spend a minimum £225 or above
*Place a 10% deposit
*Choose how many months you wish to spread the cost over - up to 48 months
Credit is subject to status and affordability. Terms & Conditions Apply. Donaghy Bros are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance,a trading style of Mitsubishi HC Capital UK PLC Authorised and regulated by the Financial Conduct Authority.
Credit subject to status and affordability. Terms & Conditions Apply. Donaghy Bros are a credit broker not a lender and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a a division of Mitsubishi HC Capital UK PLC Authorised and Regulated by the Financial Conduct Authority.
How do I choose to pay by Finance?
If you are shopping in store or over the phone just let a sales consultant know you wish to avail of finance and they will discuss all options with you.
Is it a complicated process?
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Donaghy Bros will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, 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 12 months or more. Unfortunately, we are unable to offer online finance to residents of Ireland. 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.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered. Alternatively, you can also ‘buy now and pay later’ with payments deferred for 6 months after signing your finance agreement.
Our simple buy now pay later finance options allow you to spread the cost of your purchase over as many as 48 months. An early settlement fee of £29.00 applies.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
How much will I end up paying via a finance agreement?
The table below shows you how much monthly repayments will be based on the total order value.
*Cash Price £1,000.00
*Loan Amount £900.00
*16.9% APR representative
*Interest rate 16.9% fixed
*48 Monthly repayments of £27.09
*Total term of loan agreement 48 months, with the first payment deferred for 6 months
*Total charge for credit £400.32
*Total amount payable £1400.32
*£29 early settlement fee due on all buy now pay later options
Interest Bearing Finance Example:
Our simple finance options allow you to spread the cost of your purchase over 24, 36 or 48 months at 19.9% APR. The table below shows you how much monthly repayments will be based on the total order value.
*Cash Price £700
*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 £193.28
*Total Amount payable £893.32
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 or disability.
If you decline my application, what is the reason?
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 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 my credit score formation?
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 Service, PO Box 491, Leeds, LS3 1WZ
If my application is not successful, can I re-apply?
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.
Buy now, pay later with PayPal Credit
PayPal Credit is like a credit card without the plastic. And with 0% interest for 4 months on all purchases of £99.00 or more, it’s the perfect way to spread the cost of larger online purchases.*
A 0% interest offer you can use again and again.
Our 0% interest offer is better than just an introductory offer. Simply spend over £99.00 and you get 0% interest for 4 months on that purchase. The great thing is you’ll automatically get 0% for 4 months every time you spend over £99.00. So, if you’re planning a weekend away or fancy splashing out on a new wardrobe, PayPal Credit is the perfect way to spread the cost of those larger purchases.
It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores.
How our 0% works.
Spend £99.00 or more in one go with PayPal Credit.
Then automatically get 0% interest for 4 months on that purchase.*
Even better, you can use this offer again and again on every purchase over £99.00.
How does PayPal Credit work?
No card. No hassle. Just credit with plenty of benefits.
If approved, you can start shopping straightaway with PayPal Credit.
Offer never expires
0% interest for 4 months every single time you spend £99.00 or more in one go.*
Convenient way to shop
PayPal Credit is accepted at thousands of online stores.
On your side
We know how busy you can be so we’ll send you payment reminders.
Pay in Installments
Monthly instalment offers at selected merchants so you can spread the cost over longer periods.
In safe hands
Your details are never shared and PayPal Buyer Protection covers your eligible purchases.
Manage your PayPal account anywhere – on your desktop, mobile or tablet.
Speed through checkout quicker and easier with just an email address and password.
Am I eligible to apply for PayPal Credit?
Before you apply, please make sure you:
Are a UK resident aged 18 years or older
Have a good credit history
Have not recently been declared bankrupt
Be employed and have an income greater than £7,500 per year
How do I pay with PayPal Credit?
Select Pay Later at the checkout to apply.
The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you'll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.
You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit
What happens if I cancel or return my order?
As soon as your cancellation/return has been accepted by us, the money will be refunded to your PayPal Credit account.
For more information, visit PayPal's FAQ Page
Pay Everyday, Everwhere
What is Amazon Pay?
With Amazon Pay, you can enjoy the convenience and security of Amazon wherever you shop. Amazon Pay offers a simple way to check out from your favorite online stores, and manage your payment methods on Amazon.com.
The Smart way to pay
Get the most out of your Amazon account
How does Amazon Pay work?
If you have an Amazon account, you are ready to start using Amazon Pay wherever you see the Amazon Pay button. Simply click the button when checking out to use the information already stored in your Amazon account. You don’t need to create a new account or remember old passwords. As a result, you can check out faster with the security and reliability that Amazon offers.
Is Amazon Pay part of Amazon?
Yes, it is. As an Amazon account holder, you are eligible to enjoy the benefits of Amazon Pay everywhere you see it, at no cost to you. That means your eligible purchases are protected by our A-to-z Guarantee, and all your transactions are safe and secure.
Smooth shopping ahead
The faster way to pay
Breeze through checkout using the payment and address information stored in your Amazon account.
Pay every day, everywhere
An easy way to manage your payments on Amazon.co.uk and check out at your favourite sites.
Amazon Pay’s checkout is secure, and your eligible purchases are also protected by our A-to-z Guarantee.**
For Further Information -Click Here