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Buy Now, Pay Later
Get the latest and greatest technology but keep the impact on your wallet to a minimum! AJ offer some great credit deals so if you see something you like then order today and spread the payments to suit you.
We have listed the process you will be taken through below if you do not understand any of these points or require further assistance please check our FAQ, or contact us here.
- Simply place the items you require in the basket as normal. In order for finance to be available for your order, you must spend a minimum amount!
- Once you are happy with your order, proceed to choose a delivery option (If you are not logged in at this point you will be asked to log in, and new customer will be asked for their details)
- After logging in and choosing your delivery options, ensure your personal details are correct. Don't forget to check the Terms and Conditions box!
- You will now be able to choose a payment method. If you wish to pay by card, you can fill out the form on the left. For finance, please click the button on the right hand side.
- You will then be presented with the different finance options available for your order. Please select an option and proceed.
- You will be asked to complete a credit application with our Finance partners, V12 Finance. After completing your application with them you will be informed of the next Stages of your order.
- In the event of your credit check failing unfortunately we will be unable to help you with your order. There are a number of services available that allow you to check your credit status online, if you have been refused credit and would like to know why visit http://www.equifax.co.uk/
How to get credit
Our finance facilities are provided by V12Finance enabling you to apply for credit online and get a decision in minutes
It works like this:
- First place your order on our website (choosing Buy Now Pay Later your payment method)
- You will then be directed to the V12Finance website to apply for credit
- Once you have been approved for credit you sign and post your finance agreement to V12
- Upon receipt of the agreement we despatch the goods (subject to availability)
It's as easy as that!
Our credit schemes
1) Buy Now Pay In 6 Months
Available on all products, minimum order value of £400
- 10% Deposit
- Nothing else to pay for 6 months
- No Interest if settled in full in month 6
If you pay the final balance in full before the 6 month BNPL period expires, you will pay no further interest!
However, should you choose not to settle the outstanding balance in full before the 6 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. See table below for an example.
| APR 29.8% |
| Cash price | £1000.00 |
| 10% deposit | £100.00 |
| Amount of loan | £900.00 |
| Total charge for credit | £612.00 |
| Balance payable | £1512.00 |
| Total amount payable | £1612.00 |
| 42 monthly repayments of | £36 |
Note: When calculating the 10% deposit, the figure is adjusted to give rounded loan amounts so the amount you pay may be fractionally more than 10%. Please note: If you application is accepted an arrangement fee of £20 will be applied when you return the signed agreement.
2) Buy Now Pay In 12 Months
Available on all products, minimum order value of £400
- 10% Deposit
- Nothing else to pay for 12 months
- No interest charged if settled in full in month 12
If you pay the final balance in full before the 12 month BNPL period expires, you will pay no further interest!
However, should you choose not to settle the outstanding balance in full before the 12 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. See table below for an example
| APR 29.8% |
| Cash price | £1000.00 |
| 10% deposit | £100.00 |
| Amount of loan | £900.00 |
| Total charge for credit | £693.72 |
| Balance payable | £1593.72 |
| Total amount payable | £1693.72 |
| 36 monthly repayments of | £44.27 |
Note: When calculating the 10% deposit, the figure is adjusted to give rounded loan amounts so the amount you pay may be fractionally more than 10%. Please note: If you application is accepted an arrangement fee of £39 will be applied when you return the signed agreement.
3) Easy Pay
Available on all products, minimum order value £400
- 10% Deposit
- 36 monthly payments
- 19.9% APR
Typical example:Cash price £999.99. A deposit of £100 followed by 36 monthly payments of £32.67. Total payable £1276.12 @ 19.9% APR
Please note: Credit is not normally offered on limited stock items (Open box and clearance stock). We do not hold stock while credit is being arranged and therefore product availability may change during your application. Credit is subject to status and written quotations are available on request. Terms & Conditions apply
Requirements for credit acceptance
In order to apply for credit with v12Finance, you must:
- Be at least 18 years of age and under 75 years of age.
- Be either:
- in full time employment (i,e. 16 hours, or more, per week) or
- self-employed or
- retired and over 50 years of age or
- in receipt of an invalidity or disability allowance.
- Have been a UK resident for 3 years or more.
- Be able to make repayments by direct debit
Provide your previous address if you have lived at your current
address for less than 3 years.
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