Finance
What you need to know
Used responsibly, finance is a great way to spread the cost of your purchase. We've teamed up with Clearpay, Klarna and PayPal to offer a choice of interest free finance options.
Simply choose one of the credit options available at the checkout and you will taken to their online application process, which includes help text throughout to assist you. You will receive a decision from the lender in just a few seconds.
Clearpay, Klarna and PayPal are authorised and regulated by the Financial Conduct Authority.
Please be aware that finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
Lender Arrangements
J&S Accessories Limited is a credit broker, not a lender. We do not charge you for credit broking services, nor do we receive payment, for introducing customers to Clearpay, Klarna or PayPal
0% finance is regulated by the Financial Conduct Authority.
Check your Eligibility
To be considered for finance, you will need to meet all of the following critera:
- At least 18 years old
- UK resident (of 3 years or more and excluding Channel Islands and Isle of Man)
- UK debit card
- UK billing address
- Valid email address
- UK mobile number
- You are not currently bankrupt, subject to an Individual Voluntary Arrangement ("IVA"), or have any Country Court Judgments ("CCJs")
Please remember that your application for finance isn’t guaranteed to be accepted, and that all applications are subject to status.
Available Finance options
Clearpay Pay in 4 is an interest-free loan that lets you spread the cost of your purchase over 6 weeks.
Klarna Pay in 3 is an interest-free loan that lets you split your purchase into 3 equal instalments.
Klarna Pay in 30 days gives you the flexibility to pay up to 30 days later.
PayPal Pay in 3 is an interest-free loan that lets you split your purchase into 3 equal instalments.
Understanding the numbers
Clearpay, Klarna and Paypal want to make sure that you understand the costs, terms and key features of their finance. You will see this information as you shop and during the checkout process.
It's important that you understand what this information means for you before you decide to apply for finance as you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could impact on your finances - e.g. retirement, moving home, changing jobs, or any health issues which could affect your income or expenditure.
Representative example
Cash price £450.00, first payment of £150.00 when you make your purchase, second payment of £150.00 30 days later with a final payment of £150.00 60 days after the first payment. Annual interest rate of 0.0% (Fixed). 0.0% APR representative.
The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.
This representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.
Whilst these numbers are there to help you understand what a loan will cost you, it's important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don't keep up with your payments.
Finance Decision
Your application will be assessed based on eligibility, credit history and affordability and your chosen lender will let you know the outcome in just a few seconds. They will perform a 'soft' credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.
It's important to know that if your application is accepted, a 'hard' credit check may be made on your credit file. Only you can see that a 'soft' search has been made on your credit file, but a 'hard' credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.
If your application is declined, the lender may be unable to give you specific reasons why as they use information from your credit report, alongside your income and expenditure data to make a lending decision.
You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:
Loan Agreement
You will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, contact the lenders customer support team.
Payments
The online application process will help you set up convenient, pre-authorised payments via your bank account or debit card. If you wish to change your payment details please contact your lender.
Delivery
In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.
If you don't received your goods, please contact J&S Accessories Customer Service and we will help you.
Order amendments
If you have been approved for finance, the amount or terms cannot be amended. You will need to contact J&S Accessories Limited to amend your order and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.
Fees
There is no fee for processing your application.
Fees will be payable to if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.
Returns
If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify your lender to reduce, or cancel your loan amount accordingly and if cancelled they will refund your first payment.
Change of Personal or Financial Circumstances
It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances and you find yourself struggling, please contact Clearpay, Klarna or PayPal and ask for their help.
Use of Your Personal Data
In order to process your application, you will be asked to provide information about your personal, employment and financial situation.
Clearpay, Klarna or PayPal will use your data to determine your finance offer. They will also perform a search with one or more Credit Reference Agencies to conduct checks for creditworthiness and any affordability assessments to help them make their decision.
Financial Disclosure
J&S Accessories Limited is a credit broker, not a lender. We do not charge you for credit broking services, nor do we receive payment, for introducing customers to Clearpay, Klarna or PayPal.
