Enter your estimated order value:

To see information on our other methods of payment, please click here.

Am I eligible for finance?

In order to be eligible for finance, you need to meet the following criteria:

  • Be 18 years of age or older.
  • Be in permanent paid employment (over 16 hours per week), retired and receiving a pension or self-employed.
  • Be a UK resident (minimum 12 months) and intend to remain resident in the UK.
  • Be able to provide acceptable proof of address and proof of signature.
  • Purchase the product for consumer use and not business use (business finance is available - see below).

How quickly will my finance application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases you will receive a decision within a matter of minutes. If you submit your application outside of these hours, then it is most likely that you will receive a response the next working day. We will send you an email to confirm the status of your application as soon as we've processed it.

If my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the finance agreement PCSpecialist will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that your order will not be processed until your completed and signed agreement is returned and received by PaybyFinance (from Hitachi Capital Plc).

If my application is declined, what happens next and what are the possible reasons?

If your application is declined your deferred payment will be immediately aborted. An immediate email will be sent to your card issuer but unfortunately not all banks accept this email notification and the shadow may remain on your account for up to 1 week.

If you wish to proceed with your order by another payment method, you can do so by logging in to your account and following the options available to you.

There are various reasons why your application may have been rejected. In addition to credit scoring, other factors such as confirming your identity, validation of certain application details, existing commitments and information held at the credit reference agencies will be taken into account. Our finance company does not provide a reason for declining applications, but more often than not it is due to one or more of the following reasons:

  • Your credit score (note that every finance company will score you differently).
  • Adverse credit reference agency information.
  • You are considered to be overcommitted.
  • You are under the age of 18.
  • Your existing account performance with other lenders.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows finance companies to produce consistent decisions, ensuring all our applicants are treated fairly.

Can I find out my credit score online?

There are several online companies who for a small fee can provide you with an online credit score. For example: Experian.

I have submitted my application to the finance company, but my order has not yet been processed?

If you have posted documents to the finance company, please allow 2-3 business days for the documents to arrive. If you have not heard anything after this, check for any email correspondence from the finance company as further information might be required. The communication between PCSpecialist and our finance company is automated. As soon as the finance company have accepted the documentation, your order will be processed and you will receive a confirmation email.

I have changed my mind and no longer wish to proceed with an order by finance.

Contact us by email on [email protected] or phone 0333 011 7000 so that we can cancel your order, your finance application and refund your deposit. Do not contact our finance company - we will do this on your behalf. If your order has been built or tested, charges may be incurred as per 6.7 of our Terms and Conditions. Should you abort your order by not sending in your Finance Agreement, we will have no way of knowing that this is the case and will not refund your deposit.

I have received my computer. How do I know who to pay?

Once your order has been dispatched you will receive your documents from the finance company. These documents will confirm the terms of the finance and when payment is due. Payment should always be made to the finance company. PC Specialist Ltd only receives payment of your initial deposit.

Can I change the finance agreement?

It is not possible to change the finance package that we offer. You cannot choose a different plan but you can make over-payments by calling the finance company directly once you have received the goods.

Your agreement has a deferral period. Interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period. If you are able to repay in full the borrowed amount within the early settlement period you will not be required to pay any of the proposed interest, only an early settlement fee.

Any payments you make during the deferral period will be interest free and will reduce your outstanding balance and the amount of interest charged.

If the total balance is not settled within the early settlement period then you will be required to make monthly payments until the borrowed amount plus interest is paid off. This will apply regardless of the balance due or how many over-payments you have made.

PC Specialist Ltd are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

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