We cannot advise what your credit decision will be without you completing the online application. Most of our retail partners offer an eligibility checker/soft credit search option before checkout, which will give you a good indication of what the credit decision may be before fully committing to a purchase and without impacting your credit score. Look out for the pre-approval option on the retailers website.

We will not charge late fees or additional interest to your account if you miss a payment. However, if passed to a debt collection agency, fees may apply. Please see your credit agreement for further information. If you have any concerns about making a payment, please contact us on live chat here. Any missed payment may affect your credit file so please speak to us if you have any concerns.

If you have taken out an interest free loan with us, you won’t pay charged any interest. If you have taken out an interest bearing loan with us, you will only pay the APR agreed in your contract. We will not charge you any late of hidden fees for missed payments. However, if a debt collection agency becomes involved, this may incur extra fees. This is explained in your credit agreement before you electronically sign at checkout.