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- 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.