Buy Now Pay Later Finance Example

Buy now pay later with payments deferred for up to 12 months

Spread the cost with our buy now pay later finance available online and in store.

Our simple buy now pay later finance options allow you to spread the cost of your purchase over 48 months with an agreed deferral period.

Monthly repayments will start 6, 9, or 12 months after signing your finance agreement / delivery of your goods. Settle your agreement within the agreed deferral period and pay just an early settlement fee of £29.00.

All you need to do is:

  1. Spend a minimum £300 and above
  2. Place a minimum 10% deposit
  3. Minimum finance amount after deposit £270 and above

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

  • 48 months buy now pay later finance, with the first payment deferred for 6 months on orders of £300 and above
  • 48 months buy now pay later finance, with the first payment deferred for 10 months on orders of £300 and above
  • 48 months buy now pay later finance, with the first payment deferred for 12 months on orders of £300 and above

The table below shows you how much monthly repayments will be based on the total order value.

Order Value Total Term (Months) Defer Term (Months) Deposit (10%) Monthly Payments
<£300 48 6 £30 £10.21
£500 48 6 £50 £17.02
£1,000 48 12 £100 £38.78
£2,000 48 12 £200 £77.55

Representative example:

Cash Price £1,000

Deposit £100

Loan Amount £900

APR representative 16.9%

Interest rate 16.9% p.a. fixed

48 monthly repayments of £29.29

Total term of loan agreement 60 months, with the first payment deferred for 12 months

Total Amount Payable £1,505.92

Early Settlement Fee £29

If you require any further information about finance please call 01204 387 767

Credit subject to status and affordability. Terms & Conditions Apply. P&S Domestics Limited trading as Paul Davies Kitchens and Appliances is a credit broker not a lender and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.

Interest Bearing Finance Example

Up to 48 months 19.9% APR representative interest bearing finance.

Spread the cost with our interest bearing finance available online and in store.

Our simple finance options allow you to spread the cost of your purchase over 24, 36 or 48 months.

All you need to do is:

  1. Spend a minimum £300 and above
  2. Place a 10% deposit
  3. Minimum finance amount after deposit £270 and above

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

  • 24 months interest bearing finance on orders of £300 and above
  • 36 months interest bearing finance on orders of £300 and above
  • 48 months interest bearing finance on orders of £300 and above

The table below shows you how much the monthly repayments will be based on the total order value.

Order Value Term (Months) Deposit (10%) Monthly Payments
£350 24 £35 £15.77
£700 24 £70 £31.54
£1,200 36 £120 £39.20
£2,000 36 £200 £65.34

Representative example:

Cash Price £700

Deposit £70

Loan Amount £630

APR Representative 19.9%

Interest Rate 19.9% p.a. fixed

36 Monthly Repayments of £22.87

Total term of loan agreement 36 months

Total Amount Payable £893.32

If you require any further information about finance please call 01204 387 767

Credit subject to status and affordability. Terms & Conditions Apply. {Retailer Name as appears on FCA register} trading as {Trading Name} is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.

Interest Free Finance Example

Up to 12 months 0% APR representative interest free finance.

Spread the cost with our interest free finance available online and in store.

Our simple finance options allow you to spread the cost of your purchase over 6 or 12 months.

All you need to do is:

  1. Spend a minimum £350 and above
  2. Place a 10% deposit
  3. Minimum finance amount after deposit £315 and above

We offer 2 simple finance options to help you spread the cost of your purchases.

  • 6 months interest free finance on orders of £350 and above
  • 12 months interest free finance on orders of £1,000 and above

The table below shows you how much the monthly repayments will be based on the total order value.

Order Value Term (Months) Deposit (10%) Monthly Payments
£350 6 £35 £35.83
£700 6 £70 £105.00
£1,200 12 £120 £90.00
£2,000 12 £200 £150.00

If you require any further information about finance please call 01204 387 767

Credit subject to status and affordability. Terms & Conditions Apply. {Retailer Name as appears on FCA register} trading as {Trading Name} is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.

Finance FAQ

How do I choose to PaybyFinance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showroom / store.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from {Retailer Name as appears on FCA register} trading as {Trading Name} you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

Once 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 P&S Domestics Limited trading as Paul Davies Kitchens and Appliances 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 products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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 consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

Your credit score (please note that every finance company will score you differently)

Adverse credit reference agency information

You are considered to be overcommitted

You are aged under 18

Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Google Reviews

19 Aug 2024

Fantastic service both in store & on delivery. Purchased a washer/dryer & a dishwasher together & the staff were more than helpful, very knowledgeable & the delivery drivers were very polite/friendly too! All in all I would recommend Paul Davies to everyone, fantastic staff, very easy purchase

Katherine Harrison
14 Aug 2024

I was very happy with the service I got. From the start when I was choosing my appliance to the delivery. I highly recommend Paul Davies and will definitely use them again for any purchases I require

Carol Harrop
02 Aug 2024

Very happy with the service from start to finish, the design was perfect and catered for all my needs, all fitters and tradesman were lovely, professional and efficient would 100% recommend, big thanks

Pamela Fitton
28 Jul 2024

Excellent. (as always) Planning a new kitchen on a budget can be hard work. Decided on a worktop and upstand’s colour etc and ended up getting a better product and a super deal. Tony in the kitchen showroom was on the ball and had everything ordered and sorted and delivered within the week. Tony (in the warehouse) was really helpful along with the young assistant Ella. All in all a really great experience this being our 3rd visit/purchase the latter being a Range cooker last year and a washing machine on our first visit. As you can see in the pic I am 70cm short on one piece of up stand

Rod Fraser
21 Jul 2024

Served by Sue Sewell. Lovely knowledgeable lady who made the process of buying all my kitchen appliances painless . Throughly recommend . Fantastic customer service

Debra Lee
09 Jul 2024

Use paul davies alot good place for appliances

Wayne Holden
08 Jul 2024

Only went in this morning for some advice. I came out with a new ceramic hob and oven. Nicola in the shop couldn’t have been more helpful. Whenever I need new kitchen appliances Paul Davies has always been my first and usually only choice

Mark Sanderson
05 Jul 2024

Excellent service

Vicky Liu
02 Jul 2024

Gavin and Phil absolutely excellent Really took their time and went above and beyond. Very happy with the service definitely worth the £90 fitting charge

Rizwana Sheikh
13 Jun 2024

Needed replacement oven, spoke to Lucy who was patient, polite and friendly and listened to our needs and gave great advice. Went to the showroom, again great advice, no pressure and not rushed, different models shown.All staff friendly. Prompt delivery next day expected and all delivery details explained. Highly recommend.

Ani Das
08 Jun 2024

Absolutely amazing service. Nicola served me and was extremely helpful in helping me choose the right fridge freezer. She even went and got a milk bottle to check if it would fit in the fridge doors for me. Nicola is an asset to the company and immediately struck up a great rapport with me. The guys who delivered it the following day were fantastic, in high spirits even though I'd missed their calls and had to empty the fridge freezer once they'd arrived. Very polite, friendly and funny even at 7.30am! I will be back in future for my next appliance, thank you.

Nicola Hendry
27 May 2024

Visited today for advice on double ovens, needed ideas and help to find what was right for us. Nicola spent time with us showing us different options and explaining what each product had to offer. She was really helpful and not pushy. Would 100% recommend and thank Nicola for her help, we only went for a look but we bought what we needed today, very happy.

Jayne Carey
24 May 2024

I was instore today 24.05.24 and was served by sue and Alan, both were extremely helpful dealt with my replacement cooker very efficiently, couldn't praise them enough, would go back again, my family have bought from there before and always great service

jayne everitt
19 May 2024

We needed a new built-in oven and microwave, but we were unsure about dimensions and the correct power supply, so we really needed advice. We couldn't have come to a better place. Ella and Lucy spent ages checking out our old appliances and making sure which replacements were most suited to our kitchen. They gave some great recommendations, and the prices were all below list price to boot! Delivery was arranged at a convenient time two working days after purchase. The fitters were also amazing. Everything was done courteously, quickly, and efficiently. We are so glad that we came to Paul Davies, and it will always be our supplier of choice in future.

Mike Hill
13 Mar 2024

Wonderful service from Sue Sewell at Paul Davies Appliances when I went to purchase a Washing Machine. Sue was really informative and explained everything really well. Would certainly recommend this company. Well done Sue.

Pauline Ashton
Trustpilot