Buy now pay later!
No fee, no deposit, take your purchases home today or arrange delivery.

Take advantage of faster and easier electronic processing of customer applications

Spend £250 or more in one transaction and enjoy twelve months Buy Now Pay Later, with no interest charged for twelve months. You have the choice to pay in full by the end of the twelve month period or alternatively can spread the cost.

Spreading the cost
If you choose not to clear the transaction in full at the end of the Buy Now Pay Later period, interest will be charged from the end of the Buy Now Pay Later period (APR 25.9% variable). Minimum payment £5 or 5% whichever is the greater.

How to apply
Simply ask a member of staff about Buy Now Pay Later or Interest Free.

We will be happy to help you complete your application, which will normally only take a few minutes. Once we have authorisation, your spend limit will be confirmed and you will be able to take your purchases home with you today or arrange delivery!

Who is eligible
To be eligible to apply you will need to be over 18 and in permanent employment, or self employed, working a minimum 16 hours a week Customers who have retired from regular employment and customers not working through disability will also be considered.

Applications are subject to status. Written quotations are available upon request.

25.9% APR VARIABLE

£250 spend must be in one transaction. No deposit to pay, then either pay in full with no interest charged before the end of the 12 month period, or take advantage of our option to pay by instalments.

Typical Example: Cash price £400.00, no deposit, amount of credit £400.00. Then pay 24 monthly instalments of £18.86 per month. Total amount payable £452.64. Typical 12.9% APR

Written quotations available on request. Finance subject to status. Applicants for credit must be 18 years or older and UK resident. Credit provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Terms and conditions apply.

Find your nearest store
These credit offers are available in any of our stores. Click here to find your nearest store. (These payment methods cannot be used on line.)

What you need to take
What you need to take To make an application in store you will generally need to provide one of the following forms of identification:

1. A minimum 5% part payment using CHIP & PIN enabled card – the card MUST be in the name of the customer (for fixed term loans and BNPL only)
2. Complete UK Driving Licence.
3. Current Bank Statement
4. Current Utility Bill
5. Current TV Licence
6. Credit Card Statement




Applications are subject to status. Written quotations are available upon request.