Shop Direct Finance Company Limited act as a credit broker and earn a commission if you choose to take a loan product. Freedom Finance Ltd are also a broker and not a lender.
You could borrow between £1,000 - £25,000
Freedom Finance work with a trusted panel of lenders to help find the right loan for you
Discover your eligibility without impacting your credit score
Representative example:
A £ loan over 3 years at representative APR (fixed) will cost
£ a month.
Total charge for credit will be £. Total amount repayable
is £
By clicking below, you confirm that you are a UK resident and aged 18 or over
Get a quote
This link takes you to the Freedom Finance website
Simplify your finances into one fixed monthly repayment
Loans for a quick refresh or complete makeover
You could be on the road in no time
By clicking below, you confirm that you are a UK resident and aged 18 or over
Get a quote
This link takes you to the Freedom Finance website
Lines are open:
Monday - 9am to 7pm
Tuesday - 9am to 5.30pm
Wednesday - 9.30am to 5pm
Thursday - 9.30am to 7pm
Friday - 9am to 2pm
Saturday/Sunday - closed
Shop Direct Finance Company Limited act as a credit broker and are not a lender. Registered office:
First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by
the Financial
Conduct Authority.
Freedom Finance is a trading style of Freedom Finance Limited registered in England and Wales.
Company number 06297533. VAT Registration Number: 257 0001 44. Freedom Finance is authorised and
regulated by the
Financial Conduct Authority. Firm registration number 662079. See www.fca.org.uk Registered office:
Atlantic House,
Atlas Business Park, Simonsway, Manchester, M22 5PR. Copyright © 2010–2021 Freedom Finance Limited. All
rights reserved.
Reproduction in whole or in part without permission is prohibited. Calls may be recorded for training
and monitoring
purposes.
Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.
Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.
1
What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.
How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.
How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.
Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.
Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.
How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.
What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.
If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.
What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.
Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.
