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Finance eligibility checker

Please ensure the information you give is as accurate as possible. You will receive an instant decision.

Personal details

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Finance partner

etika

Spread the cost of your purchase and choose terms that suit you. Pay over time on your terms, with our flexible options.

Basic criteria

  • Be 18 years old or over
  • Be employed for at least 16 hours a week or retired and in receipt of a private or company pension. Certain state benefit schemes may also be considered.
  • Be a permanent UK resident with a 3 year address history.
  • Have a good credit history with no late payments, debt relief orders or bankruptcy
  • Have a valid email address and can access it

Please note that meeting the above criteria does not guarantee finance acceptance.

You will need to complete your finance application online as you will be asked for some sensitive information. Our finance partner will require personal details like your name, address, phone numbers and income. Plus, your bank account and credit or debit card details. They need this information to be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.

The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can't give you an instant decision we'll send you an email the moment the finance company makes a decision.

Please note that for security measures proof of ID may be required after your application has been approved and your deposit has been paid. This step is to verify your transaction and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID, we will be in contact with you. Should you need to provide ID you will be notified via email from the finance provider.

A credit check forms part of the automated decision making process and is part of a responsible lending policy.

When your credit application is accepted you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application) and on the credit agreement itself. Your monthly repayments are collected by Direct Debit.

You have the right to repay all or part of the credit early, at any time.

etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority, registration number:697658. Company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE. Copyright © 2020 etika. All rights reserved.

Finance FAQs

Interest free finance example

Up to 18 months 0% APR representative interest free finance *. Spread the cost with our interest free finance available online.

Our simple finance options allow you to spread the cost of your purchase over 12 or 18 months. All you need to do is spend a minimum of £250.

  • 12 months interest free finance on orders of £500 and above
  • 18 months interest free finance on orders of £250 and above

* Interest free finance is only available on selected registrations.

Order Value Term (Months) Monthly Payments
The table shows you how much monthly repayments will be based on the total order value.
£1200 12 £100.00
£2000 12 £166.67
£2500 18 £138.88
£5000 18 £277.77

Interest bearing finance example

Up to 48 months 14.9% APR representative interest bearing finance. Spread the cost with our interest bearing finance available online and over the phone.

All you need to do is spend a minimum £250 and above, with no deposit. We offer 3 simple interest bearing finance options to help you spread the cost of your purchases.

  • 24 months interest bearing finance on orders of £250 and above
  • 36 months interest bearing finance on orders of £250 and above
  • 48 months interest bearing finance on orders of £250 and above
Order Value Term (Months) Monthly Payments
The table shows you how much monthly repayments will be based on the total order value.
£350 24 £16.80
£700 24 £33.60
£1200 36 £41.00
£2000 48 £54.62

Representative example

Cash Price: £280.40
Deposit: £0.00
Loan Amount: £280.40
Interest Rate: 14.00%
APR Representative: 14.9% APR
First payment of: £13.51
22 monthly repayments of: £13.51
Final payment of: £13.48
Total Charge for Credit: £43.81
Total Amount Payable: £324.21
  • Autocar
  • Autotrader
  • Car Magazine
  • Classic And Sports Car Magazine
  • Country Life magazine
  • Daily Mail
  • Daily Telegraph
  • Easyjet
  • Google
  • Sunday Times
  • Top Gear Magazine

© 1982 - 2021 Registration Transfers Limited. All rights reserved. Registered in England. Company registration number 03933658. 'Regtransfers', 'Reg transfers' and the Regtransfers logo are registered trade marks of Registration Transfers Limited.

Credit subject to status and affordability. Terms & Conditions apply (details). Registration Transfers Limited, trading as Regtransfers, is a credit broker authorised and regulated by the Financial Conduct Authority.

Transfer House, 139 High Street South, Dunstable, Bedfordshire, LU6 3SS. Tel: 01582 967777 | Email us.

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