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Finance Options at Colin M Smith

For all products with a balance of £200 or more we offer two excellent finance options.

Option One - Buy Now Pay Later Finance

With Buy Now Pay Later you can choose 6, 10 or 12 months before having to pay for your new product. Buy Now Pay Later is available on all purchase balances of £200 and over.

That means no deposit and absolutely nothing to pay for up to 12 months. When your deferment period is up, you can either pay the balance in full with along with an early settlement fee of £29 or make monthly payments over 48 months.

We offer 3 simple Buy Now Pay Later finance options to help you spread the cost of your purchases.

  1. Buy Now Pay Later finance with the first payment deferred for 6 months then 48 monthly payments on orders of £200 and above.
  2. Buy Now Pay Later finance with the first payment deferred for 10 months then 48 monthly payments on orders of £200 and above.
  3. Buy Now Pay Later finance with the first payment deferred for 12 months then 48 monthly payments on orders of £200 and above.

The table below shows examples of how much the monthly repayment would be based on the total order value.

Order Value

Defer Terms (Months)

Payment Terms (Months)

Deposit

Monthly Payments

£300

6

48

£0.00

£11.35

£500

6

48

£0.00

£18.91

£1000

10

48

£0.00

£41.25

£2500

12

48

£0.00

£107.71

Buy Now Pay Later Representative Example:

Cash Price

£300.00

Deposit

£0.00

Loan Amount

£300.00

Representative APR%

29.8%

Interest Rate Fixed

21.4%

Deferment Period

12 months

Total Agreement Term

60 months

48 Monthly Payments

£12.93

Total Charge for Credit

£620.64

Total Amount Payable

£320.64

Early Settlement Fee

£29.00 (applicable on all Buy Now Pay Later options)

Option Two - Interest Bearing Finance

We want to make sure that you have access to an affordable way to paying on finance. With flexible interest bearing repayment options available on all purchase balances of £200 and over, we can make those big investments easier to manage.

You can choose to spread the cost over 24, 36 or 48 months, with an interest rate of 19.9% APR representative.

We offer 3 straightforward Interest Bearing Finance options to help you spread the cost of your purchases.

  1. 24 months Interest Bearing finance on orders of £200 and above.
  2. 36 months Interest Bearing finance on orders of £200 and above.
  3. 48 months Interest Bearing finance on orders of £200 and above.

The table below shows examples of how much the monthly repayment would be based on the total order value.

Order Value

Terms (Months)

Deposit

Monthly Payments

£300

24

£0.00

£15.02

£500

24

£0.00

£25.04

£1000

36

£0.00

£36.30

£2500

48

£0.00

£73.82

Interest Bearing Representative Example:

Cash Price

£300.00

Deposit

£0.00

Loan Amount

£300.00

Representative APR%

19.9%

Interest Rate Fixed

19.9%

Total Agreement Term

24 months

24 Monthly Payments

£15.02

Total Charge for Credit

£60.48

Total Amount Payable

£360.48

At present finance applications are only available in store. Credit is available to permanent UK residents only. Credit subject to status and affordability, terms & conditions apply

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC authorised and regulated by the Financial Conduct Authority.

Got a question about our finance options, just ask!

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