Our relationship with our customers begins with a detailed sign-up process, face-to-face in the store. It can be time-consuming but we think it is important to ensure the product is appropriate to their needs, that they understand the agreement, and that both parties are certain it is affordable.
The affordability assessment is combined with robust credit screening and full credit reference checks including: proof of identity; gross and net income; valid home address and bureau checks for a comprehensive credit history.
The typical agreement lasts up to 156 weeks and is in the form of a hire purchase agreement. The rate at which we lend is highly competitive within the alternative credit market.
As a responsible lender, we go to great lengths to ensure that we operate to the highest standards. We are regulated by the Financial Conduct Authority (FCA) and are a member of the Finance and Leasing Association (FLA). We seek to comply with all relevant laws, charters and codes of practice.