FINANCE

Please click the way2pay logo above
to apply for Finance

Way2Pay can offer Retail Finance solutions to nearly everyone, 
even if you have a poor credit rating! 

IMPORTANT:

Please note that in order to apply for finance with Way2Pay you must:
• Be aged 18 or over
• Be a permanent UK resident (minimum 3 years)
• Be in full-time employment (i.e. 16 hours or more per week) OR
• Self-employed OR
• Retired and over 50 years of age OR
• in receipt of an invalidity or disability allowance

Credit is subject to status for UK residents aged 18 years or over.
Credit is arranged by the Finance Factory UK, credit license no: 620 723

Since we are unable to process your order until we have received your
signed credit agreement, the normal turnaround on an order financed
through Way2Pay is 1-2 weeks. We apologise for any inconvenience this
may cause.
 

HOW DO THEY CALCULATE THE INTEREST

Way2Pay can offer you the best finance solution to suit your needs,
so you get to choose the loan value and - even better - what period
you wish to pay it back over. Most importantly you’ll get the APR you
deserve, so if you’ve got excellent credit history you’ll benefit from a
low APR on your repayments.
 

COMMONLY ASKED QUESTIONS

Why has my application been referred?
In most cases we are able to make a decision based on the application details
submitted. However there are some occasions when we require either further
information about you or we need to re-confirm some of the original information
 supplied in order for the correct decision to be made on the application. In all
cases please ensure that the information requested on the credit application is
correct and up-to-date.

Why was I declined?
Unfortunately, due to data protection laws Way2Pay are not able to give the
reason why a customer is declined for credit. However, if you wish to find out
more about your credit status we advise that you contact the consumer credit
agencies, Experian or Equifax. Their website addresses are;

www.experian.co.uk
www.equifax.co.uk

What is the deferred period on my credit agreement?
The deferred period is the period where no payments are requested by the finance
company. However during that period if you wish to make payments to the credit
balance you can by contacting the finance company directly. Their contact details
 will be on your credit agreement.

Will I incur additional charges if I choose to settle in full after the
deferred period?
You may incur additional charges if you decide to settle the balance in
full after the deferred period. If you wish to pay off the agreement before
 the end of the term you should contact the finance company to request
an accurate settlement figure.

When will I start making the direct debit payment and will I be notified?
The finance company will send you a ‘welcome’ letter advising you of their
contact details and when the first direct debit payment is due.

I have changed my mind and wish to cancel my credit agreement,
how can I do this?
If you no longer wish to purchase the goods and therefore wish to cancel
your credit agreement please contact us immediately. We will then arrange
to cancel the finance agreement with Way2Pay.
Phone: 0844 335 0355
Email: info@way2pay.co.uk

Way2Pay can offer you the best finance solution to suit your needs,
so you get to choose the loan value and - even better - what
periodyou wish to pay it back over. Most importantly you’ll get the
APR youdeserve, so if you’ve got excellent credit history you’ll
benefit from alow APR on your repayments.