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

Personal details

Privacy policy

Finance partner


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 FAQ's

How do I choose to pay by finance?
Just select the finance option during the checkout process or let the sales consultant know if you're buying over the phone.
Who is eligible to apply for online finance?

Elegibility for finance varies although generally you will be a UK resident of at least one year and be employed or retired with an income. Please check the elegibility criteria above.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse/partner in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Who do I speak to about my payments?

etika is responsible for taking your payments.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Regtransfers you have the choice of applying for finance by selecting the finance option at the start of the purchase process, and completing an online application form.

Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement, Regtransfers will be notified and you need do nothing more.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by etika Finance UK Ltd. Shipment of your goods will follow soon after your agreement has been returned and received.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

What happens if I decide to settle the outstanding balance early?

Early settlement incurs no additional charges.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request.

We do suggest however, that you leave at least 6 months between applications.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • Callcredit Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

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
£1200 12 £100.00
£2000 12 £166.67
£2500 18 £138.88
£5000 18 £277.77
The table shows you how much monthly repayments will be based on the total order value.

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
£350 24 £16.80
£700 24 £33.60
£1200 36 £41.00
£2000 48 £54.62
The table shows you how much monthly repayments will be based on the total order value.

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
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© 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.