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THINKING OF CHOOSING FINANCE?
BUY NOW PAY LATER*

*Subject to credit, terms and conditions apply.

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve added the ability to let you apply for and then complete the loan application quickly and entirely online.


CHECK YOUR ELIGIBILITY

Before you apply please note you will only be considered for finance if you:
* Are having the delivery to a UK address
* Are having the delivery to the same address as cardholder
* Are at least 18 years old
* Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
* Are a permanent UK resident and have lived in the UK for at least 3 years.
* Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Please note discounts cannot be carried over if you are purchasing using finance. Printed products are exempt from finance options.

First add the items you wish to purchase to your basket. When you reach checkout select the best finance option for you and choose 'Buy Now Pay Later'. The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision.


OUR PAYMENT PLAN OPTIONS

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 12, 24, 36, 48, and 60 months, depending on the type of finance you choose. The value of the loan needs to be over £500 and you can choose a deposit of up to 50% of the value of the goods.

0% finance over 12 months

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Duration = 12 months
* Representative APR = 0%
* Interest charged = £0
* 12 monthly payments of = £75
* Total amount payable = £1000


9.9% finance over 36 months

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Duration = 36 months
* Representative APR = 9.9%
* Interest charged = £137.52
* 12 monthly payments of = £28.82
* Total amount payable = £1000

BUY NOW PAY LATER

18.9% finance over 12 months (including 6 months deferred)

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Deferred = 6 months
* 6 monthly repayments of = £171.98
* Representative APR = 18.9%
* Interest charged = £131.88
* Total amount payable = £1131.88


BUY NOW PAY LATER

18.9% finance over 24 months (including 6 months deferred)

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Deferred = 6 months
* 18 monthly repayments of = £62.35
* Representative APR = 18.9%
* Interest charged = £222.36
* Total amount payable = £1222.36

BUY NOW PAY LATER

18.9% finance over 36 months (including 6 months deferred)

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Deferred = 6 months
* 30 monthly repayments of = £40.59
* Representative APR = 18.9%
* Interest charged = £317.75
* Total amount payable = £1317.75


BUY NOW PAY LATER

18.9% finance over 48 months (including 6 months deferred)

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Deferred = 6 months
* 42 monthly repayments of = £31.38
* Representative APR = 18.9%
* Interest charged = £417.99
* Total amount payable = £1417.99

BUY NOW PAY LATER

16.9% finance over 60 months (including 12 months deferred)

* Total order value = £1000
* 10% deposit = £100
* Total amount of credit = £900
* Deferred = 12 months
* 48 monthly repayments of = £29.66
* Representative APR = 16.9%
* Interest charged = £523.82
* Total amount payable = £1523.82


FINANCE DECISION

Your application will be assessed based on various factors including eligibility, credit history and affordability and our finance partner will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

REPAYING THE LOAN

Your first direct debit payment will be taken about 30 days after you have received your purchase. You have the right to repay all or part of the loan early at any time.

CANCELLATION

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify the finance company.

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and the finance company will refund your deposit. They will let you know of any outstanding balance if applicable. Also see Gala Tent Ltd Cancellation Policy For any other questions contact us here.

Please fill in your details to apply for finance