When you configure a computer on our website, besides the usual payment options, you can also to choose to buy one of our systems on finance. Finance is subject to status. Terms and conditions apply. Based on a price of £1,000.00 inc VAT and delivery, we can offer the following types of finance:
Eligibility
- This is an application for personal finance. If you wish to apply for finance on behalf of a Limited company please select Business Instalments or Business Finance instead.
- The delivery address must be the address where you live. Unfortunately you cannot apply for finance and have delivery to a work address.
- You must be a permanent UK resident (and have been living in the UK for at least 3 years).
Buy Now Pay Later (12 Months / 60)
The 12 months "Buy Now Pay Later" finance option is a 60 month (5 year) finance package which will allow you to purchase a computer system now and begin making repayments 12 months after the dispatch date.
As part of the package you have the option to settle the remaining balance in full at any point during the first 12 months without paying any interest - you will only need to pay off the remaining balance plus a £29 early settlement fee.
If you have not settled the remaining balance during the first 12 months, monthly repayments will commence for 4 years and the total balance payable will include interest - including that which accrued during the first 12 months.
The Representative Annual Percentage Rate (APR) is fixed at 24.9% and would be payable monthly. The deposit for this finance option is 10% of the total amount (payable only by credit/debit card) on one of our systems, and for example on the system that you have just configured, the deposit would be £100.00.
There is no arrangement fee for the finance, but if you choose to settle your balance within the first 12 months a one-off early settlement fee of £29.00 will be charged.
In simple terms - the Buy Now Pay Later finance option allows you to purchase a computer now, and providing the remaining balance is paid within 12 months, the only charge for finance will be a £29.00 early settlement fee!
Choose Your Deposit
The minimum deposit for finance applications is 10% of the total order price. If you prefer, you can pay a larger deposit which will reduce the loan amount. The minimum loan amount is £350.00.
Buy Now Pay Later (12 Months / 60)
£1,000.00
£100.00
£900.00
24.90% Fixed
Nothing to pay for 12 months (If you pay off the remaining balance of £900.00 during this period no interest will be charged, however a one-off early settlement fee of £29.00 will apply).
48 instalments of £35.03 per month.
24.9% APR Representative
£781.44
£1,681.44
£1,781.44
Interest is calculated from the start of the agreement, which means interest will accrue during the deferred period. This will only be applicable if you do not settle the remaining balance during the first 12 months.
Interest Bearing (36 Months)
The Interest Bearing finance option is a finance package which will allow you to purchase a computer now and begin making repayments once the order has been dispatched. You can choose from 36 or 48 monthly repayments to suit your requirements.
The Representative Annual Percentage Rate (APR) is fixed at 19.9% and the minimum deposit for this finance option is 5% of the total amount (payable only by credit/debit card) on one of our systems. For example, on the system that you have just configured, the deposit would be £50.00.
There are no arrangement fees for the finance, and if you prefer you can settle the balance early or make over-payments without penalties.
Early Repayment Option
If you would like to settle your loan earlier, in full, you can either retrieve a settlement figure from the Novuna
® app or you can make contact with the Novuna
® customer service team. From here you will be provided with a quote valid for a period of 30 days which will reflect the remaining capital balance plus 30 days interest.
Choose Your Deposit
The minimum deposit for finance applications is 5% of the total order price. If you prefer, you can pay a larger deposit which will reduce the loan amount. The minimum loan amount is £250.00.
Interest Bearing (36 Months)
£1,000.00
£50.00
£950.00
19.90% Fixed
36 instalments of £34.49 per month.
19.9% APR Representative
£291.65
£1,241.65
£1,291.65
Interest is calculated from the start of the agreement, which means interest will accrue during the deferred period. This will only be applicable if you do not settle the remaining balance during the first 12 months.
Interest Bearing (48 Months)
The Interest Bearing finance option is a finance package which will allow you to purchase a computer now and begin making repayments once the order has been dispatched. You can choose from 36 or 48 monthly repayments to suit your requirements.
The Representative Annual Percentage Rate (APR) is fixed at 19.9% and the minimum deposit for this finance option is 5% of the total amount (payable only by credit/debit card) on one of our systems. For example, on the system that you have just configured, the deposit would be £50.00.
There are no arrangement fees for the finance, and if you prefer you can settle the balance early or make over-payments without penalties.
Early Repayment Option
If you would like to settle your loan earlier, in full, you can either retrieve a settlement figure from the Novuna
® app or you can make contact with the Novuna
® customer service team. From here you will be provided with a quote valid for a period of 30 days which will reflect the remaining capital balance plus 30 days interest.
Choose Your Deposit
The minimum deposit for finance applications is 5% of the total order price. If you prefer, you can pay a larger deposit which will reduce the loan amount. The minimum loan amount is £250.00.
Interest Bearing (48 Months)
£1,000.00
£50.00
£950.00
19.90% Fixed
48 instalments of £28.05 per month.
19.9% APR Representative
£396.40
£1,346.40
£1,396.40
Interest is calculated from the start of the agreement, which means interest will accrue during the deferred period. This will only be applicable if you do not settle the remaining balance during the first 12 months.
Ready to Order?
To purchase a computer system from us on finance, please configure the system you wish to order on our website. The option to purchase on finance will be available once you checkout.
You can configure a computer here or you can configure a laptop here.
You have just calculated the finance options on £1,000.00.
Finance is subject to status. Terms and conditions apply.
Our contact address: Unit 12 Jubilee Business Park, Jubilee Way, Grange Moor, Wakefield, WF4 4TD, United Kingdom
Subject to status and affordability. Terms & Conditions Apply. PC Specialist Ltd (FRN 673167) trading as PCSpecialist is a credit broker for the purpose of introducing credit provided by the lender Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.